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Illinois Car Insurance Requirements

To comply with Illinois Insurance Laws, you are required to maintain liability insurance and property damage on your automobile insurance.

Liability insurance helps cover your costs associated with injuries and property damage to others resulting from a car accident you cause.

Illinois State Minimum Auto Insurance Coverage Limits are:

• $25,000 for bodily injury per person
• $50,000 total for bodily injury per accident
• $20,000 for property damage

Uninsured & Under-insured Motorist Insurance

We recommend all drivers carry un-insured and under-insured motorists bodily injury coverage to help cover injuries to you and/or your passengers in a car accident with an uninsured driver (or a driver whose auto insurance limits are not adequate to cover your costs). Uninsured/under-insured motorist car insurance coverage will not cover property damage.

Optional Car Insurance coverage

When shopping for Illinois Car Insurance, consider optional coverage types for further protection. Most Car Insurance companies offer the following types of optional coverage:

• Collision – This will help cover damages to your car after a traffic accident.
• Comprehensive – Helps pay for repairs of non accident-related damages to your car such as fire, theft, vandalism, hail, glass, falling objects.
• Medical payments – This will help cover costs from accident-related injuries to yourself or passengers.
• Uninsured motorist property damage – This will cover damage to your car after an accident with an uninsured driver.

Illinois Mandatory Insurance Requirements

You are required to carry your insurance identification card in your vehicle at all times. If you are involved in an accident or stopped for a moving violation, you will be asked to provide the officer this card as proof of insurance. If you are unable to provide a police officer with proof of insurance, you will be considered an uninsured driver and may be issued a traffic citation. If you are convicted of driving without a valid insurance policy, you will face the following penalties:

• Suspension of your auto registration
• Fine

Determining Your Illinois Car Insurance Premium

When shopping for insurance, remember that car insurance companies can use the following factors to determine your when shopping for car insurance quotes:

• Driving record
• Age
• Gender
• Marital status
• Location
• Your car’s make and model
• Your average mileage
• Credit history
• The types of optional car insurance you purchase
• Your deductible (out-of-pocket expenses you must pay towards a claim)
• The higher your deductible, the lower your premium

Illinois Car Insurance Discounts

One way to get affordable car insurance rates is to take advantage of any discounts for which you are eligible. When making car insurance comparisons, ask about the following standard discounts:

• Good driver discount.
• Good student discount.
• Multi-car discount.
• Homeowner’s discount.
• Defensive driver discount.
• This is usually afforded to seniors after taking a defensive driving course.
• Anti-theft device.
• Safety device.

While discounts are a great way to get low-cost car insurance, your best bet for affordable car insurance rates is to maintain a clean driving record. Obey traffic laws and drive safely to get the best possible rates.

Greene Insurance Group Illinois

At Greene Insurance Group, our family has been dedicated to safeguarding families with comprehensive insurance solutions for over 63 years. As an Illinois Independent Insurance Agent, we offer insurance from top-rated insurance companies, saving you the time and hassles of shopping for insurance.  You can rest assured you receive the best coverage at the best value to maximum protection!

Providing best in class service to our clients

At Greene Insurance Group, we promise to provide personalized and best-in-class customer service. Our Licensed Insurance Agents work in our professional office settings, ensuring your privacy and personal information are protected.  It’s a commitment we stand by. We answer your calls and return your emails—because that’s the way it should be.  You can always depend on the professionals at Greene Insurance Group.

Client Reviews & Testimonials

Illinois Independent Insurance Agent

At Greene Insurance, we customize insurance to fit our clients and their needs.  When you call Greene Insurance Group, you can relax knowing we’re comparing insurance rates and coverage from dozens of top-rated insurance companies.

Benefits of working with Greene Insurance Group:

• Choice and Flexibility:  As an Independent Insurance Agent in Illinois, the team at Greene Insurance Group is able to offer its clients advantages over those of other insurance agencies. Unlike many other insurance agents, Greene Insurance Group isn’t limited to a single insurance company, we represent dozens of top-rated insurance companies allowing us to better serve our clients and their needs.
• Personalized Service:  At Greene Insurance, we offer a higher level of personalized service.  As our client, an Licensed Account Manager will be assigned to assist with policy questions, changes, billing and claims.
• Expertise and Advocacy: With extensive knowledge of the insurance marketplace, Greene Insurance can demystify the intricacies of various insurance policies and coverage options. Additionally, the licensed professionals at Greene Insurance Group act as advocates for our clients, helping to navigate the claims process and ensuring our clients receive fair treatment from insurance companies.
• Ongoing Support:  The relationship we develop through the years is why our clients refer friends and family to Greene Insurance Group.  When purchasing insurance through a website or call center, who do you call for questions?  You need a local and licensed insurance professionals to assist with your insurance and this is what you will experience at Greene Insurance Group.

We don’t work for an insurance company, We’re Independent & work for You!

We know how difficult and frustrating it can be when calling a business and unable to reach a live person or transferred from department to department.  Many insurance agencies and companies have closed their offices, downsized staff, and transfer calls abroad to overseas call centers.  Other insurance companies are forcing their customers to utilize chabots or leave voicemails and sometimes wait days for a return call.  At Greene Insurance, we understand how frustrating it can be not having a point of contact when you have questions.  Once you select Greene Insurance Group, we’ll be your Insurance Agency and our team will be here to assist with questions, updates, billing and claims questions.  At Greene Insurance, we promise to answer your calls, return your emails and our team of professionals work in offices utilizing secure protocols to protect our clients and their privacy. It’s our promise to always deliver first class service to our clients.

Greene Insurance Group is a family-owned Illinois Independent Insurance Agent serving the following Illinois communities:

Barrington, South Barrington, Batavia, Burr Ridge, Darien, Elmhurst, Geneva, Glencoe, Hinsdale, Kenilworth, Lake Forest, Lincolnwood, Oak Brook, Oak Brook Terrace, Western Springs, Wilmette, Winnetka and surrounding areas.