If you don’t have auto
insurance coverage in Illinois, you’ll
likely get a citation and go to the court where you have to pay court
fees and the citation. Cost should not be a deterrent to forgoing
auto insurance, because you can save money on premiums in many ways.
Buy What You Need
Most states only require liability to cover the other driver, while
some coverages are optional, such as comprehensive or collision.
Comprehensive insurance covers non-driving damage, such as theft or
tree limbs, and collision pays for your vehicle repairs from
If you aren’t sure how much insurance you need, consider the age of
the vehicle. The cost to repair vehicles more than 10 years old
commonly costs more than the vehicle’s value.
Traffic infractions could cause insurance companies to raise your
premiums. Stats show that even one citation can raise your premiums
by 82%. It increases depending on the type of traffic citation you
received, and you won’t likely notice until it comes time to renew.
Practice safe driving habits and obey the speed limits to reduce the
chances of getting a citation.
Consider the Type of Vehicle
Sports vehicles typically cost more to insure because of the driving
risks associated with them. Stats show sports cars are more likely to
be involved in accidents since they travel at higher speeds. The
parts tend to cost more to replace, especially if the provider has to
special order parts. Each provider has its own criteria of what
defines a sports vehicle, but a basic definition includes a smaller
vehicle with eight cylinders.
Don’t risk driving without auto insurance coverage in Illinois. If
you don’t have auto insurance or looking to switch providers, visit
the website of Accurate
Auto Insurance to search providers in
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