Definition: The term "cheapest auto insurance in Illinois" can refer to a variety of things, depending on the state of Illinois. However, there are some common factors that might be considered when determining the cheapest auto insurance rates in Illinois:
1.
Coverage
: This refers to the level of coverage offered by your policy. Higher coverage typically means a lower cost per mile or per year of driving. A higher coverage level will generally result in cheaper premiums.
2.
License and Insurance
: If you have a license to drive in Illinois, your insurance coverage may be limited by this. However, it is possible to buy specific types of licenses (like a CDL) that might offer discounts or lower rates compared to non-CDL licenses.
3.
State Minimums
: While some states do not require minimum coverage, many will still require at least $100,000 in liability and $5,000 in property damage insurance for every policyholder under a certain age (usually 25). For Illinois, the minimum coverage is $37,469.
4.
Insurance Policy
: The type of insurance you have might also influence your rate. Some policies may offer lower rates for those with specific types of vehicles or coverages like comprehensive liability and collision coverage.
In summary, the term "cheapest auto insurance in Illinois" varies based on factors such as your license status, state minimums, and the specifics of the policy. It's important to compare quotes from multiple companies to find the best deal for you.
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