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Lincolnshire, IL 60069

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Three things you might not realize about auto insurance

There is a lot of misinformation out there about auto insurance that motorists really should be aware of. At Arial Insurance Group, we can provide you with the important information you need about auto insurance in Chicago, IL.

Here are three things you might not realize about auto insurance that you should be aware of:

You can choose from different deductible amount options

You don’t have to purchase a policy with a specific deductible amount. You should be able to choose from a few different deductible options. 

Choosing a higher deductible may help you to enjoy lower premiums. 

Auto insurance is not optional

Carrying auto insurance is important because it helps you out financially if you get into an accident. However, you shouldn’t assume that you can choose whether you want to buy auto insurance or not.

Every state requires that motorists carry auto insurance or insure themselves in some way to drive legally. Motorists can be penalized if they are caught driving without adequate insurance coverage. 

Every state sets its own auto insurance requirements

Auto insurance requirements are regulated at the state level. Different states may have different liability coverage requirements. 

In the state of Illinois, motorists need to cover at least $50,000 in bodily injury liability coverage per accident and at least $20,000 in property damage liability coverage per accident. 

While liability coverage is required by law, motorists are not typically required to carry collision or comprehensive coverage. 

Contact Our Team Today

Call us at Arial Insurance Group to learn more about auto insurance in Chicago, IL. We’ll be happy to answer any questions you have and give you a quote on an auto insurance policy. 

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