5: Look for Discounts
Ask about common savings opportunities, such as:
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Safe driver discounts
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Multi-policy bundles (home + auto)
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Low mileage credits
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Student or mature driver discounts
6: Review Policy Details
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Look beyond the premium—check deductibles, exclusions, and claim process.
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Avoid buying the cheapest policy if it lacks sufficient protection.
7: Finalize and Review Annually
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Purchase your policy once you’re satisfied.
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Re-shop your coverage every year at renewal—rates and discounts can change.
Understanding Required Auto Insurance Coverages
When learning how to shop for auto insurance, it’s crucial to know the mandatory coverages in Illinois:
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Liability Coverage – Pays for bodily injury and property damage you cause.
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Bodily Injury (BI): Minimum $25,000 per person / $50,000 per accident.
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Property Damage (PD): Minimum $20,000 per accident.
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Uninsured Motorist (UM): Protects you if hit by an uninsured or hit-and-run driver.
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Underinsured Motorist (UIM): Pays the difference if the at-fault driver’s limits are too low.
Expert Tip: Minimum coverage may not be enough. Always consider higher liability limits to protect your assets.
Optional Coverages Worth Considering
Beyond required coverages, optional add-ons can provide stronger protection:
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Collision & Comprehensive – Pays for damage to your car.
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Gap Insurance – Covers the loan balance if your car is totaled.
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Medical Payments Coverage – Pays for injuries regardless of fault.
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Rental Reimbursement & Towing – Helps with temporary transport and roadside emergencies.
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Custom Equipment Coverage – Protects aftermarket parts and accessories.
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