All states require drivers to fulfill the mandatory minimum auto insurance requirements to remain financially responsible. Any driver that refuses to maintain these minimums receives fines and driver’s license suspensions. Discussing Illinois state minimum auto insurance with an insurer helps you avoid these penalties.
Fulfill the Minimum
The Illinois state minimum auto insurance is $25,000 for one-person accidents, with a maximum of $50,000. You must also have at least $20,000 for property damage from an auto accident. These values are available through auto liability insurance. Still, your lender may require a higher coverage level if you have a financed automobile.
Can You Decrease Your Premiums?
Achieving higher credit scores helps you lower your insurance premiums. Your credit scores affect how much you pay more than you’d realize. Also, avoiding traffic violations makes you a safer driver, and you may get discounts for this achievement. If you have a short commute to and from work or work remotely, you can get further discounts since you don’t drive your car as often.
What Happens If You Don’t Maintain Coverage?
The DMV sends you a notification if they need updated auto insurance proof if your policy is canceled. Failing to update the policy details leads to fines for driving without auto insurance coverage. In addition, if you have three or more convictions for insurance violations, the state requires SR-22 certification for three years.
Auto insurance requirements that aren’t met have consequences. The court can issue fines up to $1,000 depending on how many times you’ve violated insurance laws. Contact Accurate Auto Insurance to discuss auto liability coverage.
