Auto Insurance in Springfield, IL

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Springfield, Where?

While there may be many places called Springfield, only one of these is the capital city of the Prairie State. Springfield, Illinois is home to over 200,000 residents and stands as the center of state government and politics. This city has been around since the earliest days of Illinois’ statehood. Beyond government affairs, transportation, education, and healthcare are also a big deal here. Making your way around town, you’ll find things to get into such as the Springfield Theatre Centre, the Springfield Municipal Opera, the Springfield Ballet Company, and the Illinois Symphony Orchestra. Enjoy a day out on Lake Springfield or a visit to the Henson Robinson Zoo to take in some outdoor fun throughout the year!

Springfield, Illinois was once the home of President Abraham Lincoln, and as such there’s a lot of Lincoln-related culture to take in. From his namesake presidential library to his former home, a national historic site, history buffs will find a lot to keep them busy. Add the strong history of literary tradition that surrounds Springfield and the Sangamon Valley, you may want to hop in a car to get here as soon as you can. Interstates 55 and 72 are just two of the major freeways that lead to the capital of Illinois. Before you hit the highway, it’s important that you understand your responsibility when it comes to auto insurance in this part of the Prairie State. Here’s what you should know about car insurance in Springfield, IL.

Getting Covered

Illinoisans are required to carry auto insurance. Having a policy for car insurance in Springfield, IL, protects you from having to pay out of pocket for major vehicular damages or losses. Failure to carry coverage can result in a fine of $500 to $1000 for a first-time offender! You may be subject to higher fines with subsequent offenses. Worse, you may have your license suspended. If you’re financing your vehicle, your lender may also require you to have car insurance in Springfield, IL. An auto policy usually offers the following coverages:

  • Liability: This pays for bodily injury to another person or property damage because of negligent driving. This coverage may include anyone using your car with your permission as well as legal defense expenses if you’re sued. The state requires you to have at least $25,000 of bodily injury protection per person per accident and $50,000 total per accident. You’ll need at least $20,000 for property damage.
  • Uninsured Motorist Bodily Injury: Imagine having injuries after being run off the road. Let’s suppose an at-fault driver with no insurance collides with your car, leaving you injured. Your plan for car insurance in Springfield, IL covers you. You’ll need at least $25,000 per person and $50,000 per accident in the Prairie State.
  • Underinsured Motorist Bodily Injury: This covers the gap when an at-fault driver has too little insurance.
  • Physical Damage: Often noted as collision and comprehensive coverages, this benefit pays for damages or losses to your auto. Collision covers accidents with other vehicles or fixed objects, while comprehensive covers theft and damage from fire, hail, and other perils.

The minimums specified above may not be sufficient. You could easily find yourself in a collision with a luxury vehicle in a neighborhood such as Woodside or Bradfordton. Make sure your car insurance in Springfield, IL, has enough coverage for the way and others on your policy drive.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

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