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Why Is It so Important to Have Car Insurance in Chicago?

car insurance

Did you know that the average cost of owning a car in the US is right around $8,500?

Most drivers in the country know the importance of having auto insurance, but because it is an additional expense every month, you might be trying to decide if you want to spend the money. 

Are you currently trying to figure out if it’s worth it to get an insurance plan for your vehicle?

Keep reading below to learn about getting car insurance in Chicago and why you need to do it before hitting the roads.

Why Do You Need Car Insurance in Chicago?

The main reason that you need car insurance is to keep yourself protected in the event of an accident. If you have an accident and don’t have car insurance, you’ll have to pay all of the costs out of pocket. This can end up putting you in financial ruin.

If you’re in an accident, car insurance can also help you pay for damage to your car, medical expenses, and more following a collision.

It depends on the type of plan that you have, but many insurance companies cover more than just paying off the other parties involved if the accident was your fault. 

Many states, including Illinois, require car insurance.

There are minimum amounts that your insurance plan has to be able to cover. If you’re caught driving around without an insurance plan, you may get your license suspended and face large fines. 

Drivers in Chicago can be pretty aggressive and impulsive. In fact, they are some of the worst drivers in the country. It’s important to defend yourself with the right auto insurance plan just in case an accident happens. 

What Is Cheap SR22 Insurance?

SR22 is a form that is filed in a state where you may need to prove you can meet your minimum automobile liability requirements. SR22 is not insurance at all – it is a document that tells the state you have purchased an insurance plan from a reputable insurance company.

Not all people that drive need to have an SR22. Drivers that need this will fall under one of the following categories:

  • Repeat or severe traffic offender 
  • Convicted of driving under the influence
  • Found to be at fault in an accident without insurance
  • Suspended or revoked license

Because you will need an SR22 in these circumstances, you may have to pay more for your auto insurance. It is still entirely necessary to get insurance, whether it is cheap car insurance or a more expensive policy if you live in Chicago.

Choosing the Best Car Insurance Plan

Now that you can see why car insurance is important in Chicago (and is even more important if you need an SR22 form), it’s time to find the right plan for you.

We make it easy to find the right insurance policy for your situation.

Are you ready to get started? Give us a call today to learn more about what we can do for you. 

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