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What to Look For in a Chicago Car Insurance Policy

car insurance

If you own a car in the United States, you are legally required to have car insurance in almost every state, including Illinois. But that doesn’t mean you should purchase the first policy you find. 

It’s important to get good-quality car insurance for a reasonable price. Additionally, if you have a court-ordered SR22, you may need to know how to find SR22 insurance.

Our guide to car insurance has you covered. Keep reading for everything you need to know about finding the right type of car insurance in Chicago for you. 

Types of Car Insurance in Chicago

There are several different types of car insurance you could get, including:

  • Collision coverage
  • Comprehensive coverage
  • Uninsured motorist coverage
  • Medical and personal injury protection
  • Liability insurance

Liability insurance is the type that is required by the state. It’s the one that handles any at-fault accidents you may find yourself in. If the other party is injured due to your mistake, liability insurance takes care of the expenses. 

The other types of insurances are optional; however, it’s good to know about them if you want extra coverage. For instance, uninsured motorist coverage will cover any expenses if you get into an accident with someone at fault who doesn’t have insurance. 

Some types of insurance policies will bundle different types of insurance together, so that’s an option you can explore as well. 

What is SR22 Insurance?

SR22 actually isn’t a type of insurance. It’s simply a certificate that proves you have car insurance with enough liability. 

If you’ve been convicted of a DUI, your chances of needing an SR22 are pretty high. You will probably see a spike in your insurance policy since you are now a high-risk driver.

In Illinois, you will need to carry an SR22 for three years after your conviction. For more info on how SR22’s work, read this blog.

What to Look For in a Car Insurance Policy

Now that you know what type of insurance you need, you can start researching policies. Ideally, you want good coverage that doesn’t cost an arm and a leg. This is why it’s also recommended that you shop around and get multiple quotes before making any decisions. 

The first thing you should look at is liability coverage. The requirement for liability in Illinois is pretty low and won’t actually cover that much if you get into an accident, so it’s a good idea to buy more than the base requirement. This will save you from paying a ton of money out of pocket.

Next, read reviews from customers and third-party reviewers. You want an insurance company that is reliable and responds when you need them. A handful of negative reviews is a sign that they do not treat their customers well.

Lastly, if you want roadside assistance, make sure that is included in your policy. 

Find Cheap SR22 Insurance Today

With InsuredASAP, you can compare policies from multiple top-rated companies all in the same place. Whether you need standard liability insurance or cheap SR22 insurance, we can you save time finding the best coverage. 

Get started today by requesting a quote so you can get car insurance ASAP. 

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