Illinois Vehicle Car Insurance Coverages

When it comes to car insurance, understanding what options are available to you may feel daunting and overwhelming. Whether you're a new driver, a small business owner, or someone without a U.S. driver’s license, Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle) can help you find coverage that aligns with your needs. Here, we’ll take an in-depth look at the different types of car insurance coverage that may be useful for you and how our agents can assist you through your insurance journey. 

Discover types of auto insurance coverages from Illinois Vehicle 

Whether you're driving your own car, your family’s car, or a company vehicle, Illinois Vehicle works with 20+ trusted carriers that can offer car insurance coverages that may match your needs. Here’s a quick breakdown of some standard auto insurance options: 

Minimum liability 

Illinois state minimum liability means that this coverage is required by law for Illinois drivers. Most states require you to have liability insurance to legally drive. It can help cover damage to a third-party vehicle or injuries you cause after an accident. Our knowledgeable agents can help explain to you what liability limits you’ll need to stay compliant with Illinois law.  

Commercial auto insurance 

If you’re a small business owner using vehicles for work, like making deliveries or driving between job sites, commercial auto insurance in Illinois may be crucial to have. Depending on your policy, commercial auto insurance may be able to cover certain damages to your vehicle or to someone else’s property that you cause while driving for business purposes.  

SR-22 insurance 

If you’ve had a license suspension or a serious driving violation, you may be required to get SR-22 insurance in Illinois. Though sometimes referred to as insurance, an SR-22 isn’t a type of coverage. An SR-22 actually refers to a form that can prove you’ve purchased the state’s minimum required coverage. Illinois Vehicle can help you file an SR-22 if you need assistance with the process.   

Non-owner SR-22 insurance 

Need to meet SR-22 requirements but don’t own a vehicle? A non-owner SR-22 is similar to a regular SR-22, but for drivers who may be borrowing a friend or family’s vehicle. If you’ve been required to get this certificate of financial responsibility, an Illinois Vehicle agent can help you file for non-owner SR-22 insurance.   

Uninsured motorist coverage 

Unfortunately, not all drivers in the United States may have an auto insurance policy. If you're in an accident with an at-fault driver who doesn’t have insurance, uninsured motorist coverage can help pay for your medical bills if you’re injured or damages to your vehicle. In Illinois, you’re also required to have uninsured motorist bodily injury coverage on your policy, which can help specifically pay for medical bills for you and your passengers after an accident with an at-fault uninsured driver.  

Full coverage insurance 

Looking for a policy that can help pay for various damages that could occur to your vehicle? You may be interested in a full coverage auto insurance policy, which typically refers to a combination of liability, collision, and comprehensive insurance. Collision coverage can help pay for damages to your car after an accident, regardless of fault. Comprehensive car insurance coverage, on the other hand, can help pay for non-collision damages to your vehicle, like theft, vandalism, or harsh weather.  

Why choose Illinois Vehicle? 

At Illinois Vehicle, we specialize in helping drivers with unique insurance needs. Whether you are a new driver, possess a foreign driver’s license, or have little or no credit, our agents may be able to help you find coverage that fits your requirements. Our team is experienced, friendly, and bilingual (English and Spanish), ready to assist those looking for auto insurance without a pesky language barrier.  

Here are some other ways that set us apart: 

• Flexible payment options: We work with insurance providers who can accept both cash and credit payments.  
• Accepts multiple types of licenses: Our carriers can assist drivers with a variety of driving histories and licenses, including Matricula Consular, temporary licenses, and foreign driver’s licenses.  
• Helpful agents with local knowledge: Our agents are highly knowledgeable about the ins and outs of Illinois car insurance laws and regulations. 

At Illinois Vehicle, we understand that everyone’s needs may be different. That’s why we take the time to listen while helping to guide you to a policy that makes sense for you. 

Have car insurance coverage questions?  

If you’re still unsure about what coverage to purchase, our agents can help you understand your specific needs. Whether you're just exploring your options or need a policy today, our team can assist you through your insurance questions. 

Visit our Illinois Vehicle website, give us a call at 1-630-581-4805, or stop by one of our many Chicagoland offices for a free personalized quote today! 

Disclaimer:   

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.