Best cheap car insurance quotes in River Grove
Liability insurance covers the costs of treating anyone you injure in an at-fault accident and repairing (or replacing) any property you damage. However, UM/UIM bodily injury coverage covers the medical expenses of you and your passengers if they exceed the at-fault driver’s coverage limits.
Cheap minimum liability insurance quotes in River Grove
The minimum liability coverage requirements in River Grove, Illinois, follow a 25/50/20 (plus 25/50) rule.
To put it simply, you'll need a policy that covers at least:
$50,000 of bodily injury liability coverage per accident
$25,000 of UM/UIM bodily injury coverage per person
$50,000 of UM/UIM bodily injury coverage per accident
By sticking with the minimum required liability coverage, you’ll probably pay the lowest rates. Jerry helps River Grove drivers find low rates for no-frills coverage.
Do you need more than minimum coverage in River Grove?
In River Grove, drivers should consider topping up their liability coverage beyond the state's minimum requirement of 25/50/20.
The state minimum coverage requirements provide a lot of protection, but medical and repair bills tend to add up.
If you cause a car accident and the injured party’s expenses exceed your coverage limits, you’ll have to pay the rest out of pocket. They also have the right to sue you in a personal injury lawsuit for up to two years after the accident, according to
Illinois’s car accident laws.
The bottom line: Doubling your liability and UM/UIM coverage limits won’t double your rates, but it’ll provide better financial protection in the event of a serious car accident.
Cheap full coverage car insurance quotes in River Grove
Full-coverage car insurance isn't required by law, but it provides coverage for repairs to (or a replacement of) your vehicles.
Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object.
Comprehensive coverage also covers the costs of repairing or replacing your car but it only applies to damages caused by theft, vandalism, or natural disasters.
If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in River Grove.
Last Updated Sep 23, 2023
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.