Driving around Illinois requires protection. As of October 16 this year, 761 fatal crashes have occurred in the state’s public roadways. For this reason, the state law requires the basic liability insurance for all vehicle drivers. But the minimum liability coverage isn’t enough.
Drive with confidence in Cicero IL with comprehensive car insurance.
The minimum liability coverage required by the state may offer a certain level of financial protection if you get involved in a collision, but it only covers the losses of other drivers in a road incident that you may have caused.
This is what the minimum liability coverage includes:
Should you get into a fender bender, the policy only ensures you are held responsible for the other party’s costs in the accident you may have caused. If you noticed, the minimum coverage does not include you. What if you incur an injury from the incident as well?
What you need is the insurance with the coverage you need should you get into a collision.
A full insurance coverage for your car covers a variety of risks. Your vehicle, whether old or new, will benefit from the insurance. Without the right policy, you might end up spending out of the pocket because the costs of damage will most likely affect your finances.
But before buying auto insurance, here are two questions you will want to consider:
Your policy should reflect how frequently you use your car. If you don’t drive as much, a mileage-based insurance may be right for you. If you use your car for work, get commercial auto insurance because a personal auto policy will not cover whatever you may be transporting with your car for work.
The auto insurance you need also highly depends on the type of car you drive. Classic or modified cars need special insurance while vehicles with the latest safety features and a good safety record could give you discounts for insurance.
A policy with a more extensive coverage is what you want and need. At Oxford Auto Insurance, we have the means to provide you with the policy that suits your needs at a reasonable cost.
Let us help you look for the right car insurance in Cicero. By working with us, you will enjoy the following perks:
To get or renew your car insurance, contact us today.
Illinois plans to automate verification of auto insurance within the year to make sure that every vehicle on the road is covered, but the state has yet to have a database required for electronic verification.
The state will begin collecting funds to design and create the database from a council of insurance companies created to reduce vehicle theft and insurance fraud.
Henry Haupt, the spokesperson for the Illinois Secretary of State’s office, said in a public statement that 75 cents will be taken from the council every year to fund the creation of the electronic database. Once the database is created, automated verifications for car insurance will take place at random at least twice a year.
The new law will eventually discontinue and nullify physical insurance cards, as your proof of insurance will be simply your license plate.
To implement the new law, the Illinois Secretary of State will be working closely with every insurance company in the state. The new law will require all insurance companies to provide a list of all their covered drivers, along with other relevant insurance information, to the Secretary of State. All this information will be compiled into the electronic database that keeps track of all the drivers covered with insurance and the amount of coverage each driver has.
The new law goes in line with the same goal of the recent price hikes of car insurances in Illinois: to reduce car collisions.
Versus all other US states, annual car insurance costs in Illinois are greatly influenced by your history of driving violations. For example, a DUI violation will raise your average insurance rate by 126 percent. In other US states, the average increase will only be 72 percent.
As a driver, it is your legal responsibility to have at least basic liability insurance when driving on public roads. According to the Department of Treasury, vehicle owners must have insurance limits of at least $25,000 BI (bodily injury) per person, $50,000 per occurrence, and $20,000 in property damage coverage.
The first and second time you get caught driving without insurance, you will receive a fine between $500 and $1,000. Your succeeding offense can result in the suspension of your driver’s license. If you cause a serious accident while uninsured, you can end up in jail for up to one year.
To help you find the most competitive car insurance rates, Oxford Auto Insurance is here to help. As one of the leading auto insurance agencies in Harvey, Illinois, we always strive to give you flexible payment plans and multiple options – and we do not just stop there. You can also come to us to look for competitive rates for insurance renewals.
For over 65 years, we have been serving Chicago residents with everything they need to know about auto insurance, SR-22 insurance, and motorcycle insurance. We are proud to be a member of the Trusted Choice Insurance Network and the Independent Insurance Agents of Illinois.
For more information, get in touch with us today.