If you have just purchased a car, whether new or used, your next step is to have it properly insured. Is this your first-time purchasing coverage for a vehicle? If it is, you are probably starting to realize that there are more options than you thought when it comes to coverage levels. The following are common choices you have when shopping for automobile coverage in Illinois.
Minimum
Illinois minimum auto insurance is the base level of coverage you must have in order to operate your vehicle legally. Typically, minimum coverage includes liability, meaning the other vehicle is at least covered if you damage it in an auto accident and your person if you incur any medical bills. Illinois minimum auto insurance is only recommended on older vehicles with low value.
Comprehensive
Comprehensive coverage is a step up from minimum coverage. It includes everything minimum coverage does with added provisions that cover your vehicle in the event of an accident. You will have options when it comes to choosing comprehensive coverage that determine your premium and your deductible.
Full Coverage
Full coverage is the highest level of coverage you can get and is recommended for new vehicles and leased vehicles. It covers your automobile and your medical bills in the event of an accident completely. Full coverage may also include provisions that provide you a rental car and other amenities while your car is in the shop after an accident or vandalism. If you still aren’t sure which level of automobile coverage is best for you, call Accurate Auto Insurance today for a quote.
