Auto Insurance in Peoria, IL
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Rolling Down the River
Peoria is a medium-sized central Illinois town with an outsized reputation. From the old days of Vaudeville, the phrase “will it play in Peoria?” was a way to question whether an idea or something would be well-received. In this way, this town is symbolic of a litmus test for what will and won’t fly. With almost 375,000 people in the Greater Peoria metropolitan area, this is an important part of the Prairie State. It is a major port on the Illinois River with a long legacy in trading, shipping, and manufacturing. Farm equipment, construction machinery, building materials, steel, wiring and lawn care machines are just some of the many items that “play” in Peoria. The area’s agricultural bona fides are especially solid with major production in corn, soybeans, and livestock.
Other things that play in this central Illinois area are arts and culture. From the Peoria Zoo to the Peoria Symphony Orchestra, there’s a lot for locals and guests to check out. Put on your running shoes and participate in the annual Steamboat Classic, one of the world’s biggest four-mile footraces that attracts runners from all over the world. Come check out the Caterpillar Experience. This museum and visitor’s center highlights the past, present, and future of the Caterpillar heavy machinery company. It’s located downtown at a $100M+ development known as the Block. Getting the Peoria experience is as easy as hopping into your favorite set of wheels and hitting Interstate 74. Before you head out this way, be sure to get the lowdown on having car insurance in Peoria, IL.
Pumping the Brakes
One of the best reasons for carrying car insurance in Peoria, IL, is the fact that you likely don’t carry enough cash to cover all the damages associated with a car collision. First, it’s not practical to drive around with that type of money. Second, most people don’t have that amount of cash to spare. Finally, and most importantly, the state of Illinois requires all motorists to have liability insurance that covers property damages and injuries resulting from a vehicular accident. Carrying car insurance in Peoria, IL, isn’t just a mere convenience. It’s the law. Failure to carry sufficient coverage can result in fines and suspension of your license plates, essentially suspending driving privileges.
There are many policies for car insurance in Peoria, IL, but you should choose one that includes these minimum liability insurance coverages:
- $25,000 for death or injury of one person in an accident
- $50,000 for death or injury of multiple persons in an accident
- $20,000 for damage to property belonging to another person such as another car or a building
By Illinois law, your car insurance plan should include minimum liability insurance for accidents involving at-fault drivers who have no insurance. This is known as uninsured motorist coverage.
Given the reality that vehicles and medical expenses can easily exceed the limits shown above, consider having car insurance in Peoria, IL, that has higher limits for collisions, comprehensive (non-collision incidents), medical payments and uninsured property damage. Additional plan benefits you should ponder include:
- Towing: Covers the costs associated with towing and storing a disabled vehicle following an accident
- Rental reimbursement: Pays for the costs of a temporary vehicle rental during repairs
- Roadside assistance: Includes costs for jumpstarting a dead battery, swapping out a spare tire or replacing a flat tire and more
This information is intended for general informational purposes only and is not intended to constitute legal advice.