When it comes to auto insurance, requirements usually vary by location. Here at American Auto Insurance, we specialize in low-cost auto insurance for the state of Illinois. With more than 35 years of experience in the business, we understand all the ins and outs of Illinois state law and insurance requirements. As a part of the state of Illinois, Elgin is included in our service area as well as the surrounding area. If you’re an Elgin citizen, read on to find all the information you’ll need to fulfill your auto insurance needs.
Insurance You Can Trust in Elgin, Illinois
When you drive with American Auto Insurance, you can do so confidently, knowing that one of Illinois’ top insurance providers is covering you and your vehicle. So, if you’re in Naperville, Illinois, or the surrounding area, contact us today for a fast and free auto insurance quote.
About Elgin, Illinois
Elgin, Illinois, is located roughly 38 miles northwest of Chicago in Kane County and has a population of around 115,000, making it the sixth-largest city in the state. Nicknamed “the city in the suburbs,” Elgin was founded in 1835 at the banks of the Fox River and grew from a small agricultural town to the bustling suburban city it is today.
A Scottish hymn titled “The Song of Elgin” inspired its name, and the city offers plenty of beautiful nature for you to enjoy, including the nearby Poplar Creek Preserve, the Shoe Factory Road Prairie, the Bluff Spring Fen, and Trout Park.
As it’s located closer to the north of the continental U.S., citizens of Elgin frequently encounter challenging weather conditions, including ice and snow, that will affect the overall driving risk. That’s why having comprehensive auto insurance is especially important if you live in the area.
Illinois State Insurance Requirements
In the state of Illinois, it’s illegal to drive without auto insurance. In order to adhere to state law, your insurance plan must meet the following minimum coverage requirements:
- $25,000 bodily injury liability per person.
- $50,000 bodily injury liability per accident.
- $20,000 property damage liability per accident.
- $25,000 uninsured motorist coverage per person.
- $50,000 uninsured motorist coverage per accident.
If you choose to drive without auto insurance in Illinois, then the legal consequences can include a minimum fine of $500, license plate suspension for up to four months, and registration suspension, which can also lead to a $1,000 fine. As a result, you should always have proof of insurance on hand while driving to avoid legal penalties.
American Auto Insurance Services in Elgin, Illinois
At American Auto Insurance, we’re committed to providing high-quality auto insurance services at affordable prices. In fact, we offer the lowest insurance rates in the state of Illinois, with rates starting as low as $14 per month. Our insurance plans also include 24/7 roadside assistance, providing you with peace of mind when it comes to your safety while driving. We serve all customers regardless of their financial situation, including bad credit or no credit, and we’re able to provide instant proof of coverage.
In addition to the basic coverage required by the state, we also provide a variety of other supplementary types of insurance, including:
- Uninsured/Underinsured Motorist.
- Bodily Injury Liability.
- Property Damage Liability.
- Collision Coverage.
- Comprehensive Coverage.
- Roadside Assistance.
- Rental Reimbursement.
- SR22 Car Insurance.
If you’re involved in an accident and need to take your car in for repairs, you’re going to need a temporary rental to get around in until you get your own vehicle back in order. That’s why we provide rental reimbursement to those who hold both comprehensive insurance and collision coverage. We can help offset the costs of your rental by around $30 per day.
SR22 insurance, despite its name, is not so much an insurance policy as it is a verification certificate. If the state labels you a problem driver, such as if you’ve been driving under the influence or have an excess of insurance violations, you’ll likely need to purchase SR22 insurance in order to have your license reinstated. SR22 insurance verifies to the state that you have an appropriate insurance plan in place.
Though it isn’t required in the state of Illinois, collision coverage is an optional form of insurance that covers damages in the case that you collide with an external object, such as a mailbox, a tree, or a parked car. Collision coverage also covers damage from hitting potholes while driving or getting into single-vehicle accidents.
Unlike collision coverage, liability insurance is required by the state of Illinois. Liability insurance acknowledges that you create a risk of harming others or damaging property anytime you’re behind the wheel. As mentioned above, you need a minimum of $25,000 of coverage for the bodily injury of one person, $50,000 of coverage for the bodily injuries of more than one person, and $20,000 of coverage for property damage.
We highly recommend checking out our blog, where you can find lots of information on specific types of insurance policies, such as SR22 insurance, or other auto insurance topics, such as how much insurance will cost depending on your age. We also run a giveaway for a $50 gift card each month. To enter, all you need to do is refer a friend, and you’ll receive one entry into the raffle. Two winners are chosen each month.
Get Affordable Auto Insurance Coverage With American Auto Insurance
Car insurance doesn’t have to be an overly complicated or stressful process, nor does it have to be inaccessible, even if you find yourself in a tricky financial situation. Here at American Auto Insurance, we’re proud to serve Illinois as the number one auto insurance provider in the state with highly competitive prices, attentive service, and years of experience under our belt. Whether you need comprehensive coverage, SR22 insurance, property damage insurance, or any other combination plan, we’re here to help.
It’s easy to get an instant, free quote for car insurance with American Auto Insurance. Simply fill out the online form at no cost and receive a personalized quote in no time. You’re also welcome to give us a call at 773-286-3500, and one of our friendly agents will answer any of your insurance questions or help guide you in the right direction. We look forward to serving you in any way we can.