Best Local Car Insurance Agencies in Peoria

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• What are the minimum coverage requirements for an individual's automobile in Peoria?

  The minimum insurance requirements in Peoria for cars allowed to drive on public roads are $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $20,000 for property damage liability. In addition, motorists should have at least $25,000 in uninsured motorist bodily injury liability coverage per person and $50,000 in uninsured motorist bodily injury liability coverage per accident.

• What are the potential consequences for Peoria drivers who operate a vehicle without insurance?

  In Peoria, driving without insurance is considered a minor offense and entails a fine between $500 and $1,000 for the first offense. The penalty can increase to $1,000 if the driver is found guilty of operating the vehicle without insurance three times or more. Additionally, uninsured drivers causing an accident with bodily injury damages face a class A misdemeanor, which may lead to fines of up to $2,500, along with extra fees and potential imprisonment.

• Do driving violations impact insurance rates in Peoria?

  Yes, driving infractions in Peoria affect insurance prices. Since insurance companies categorize drivers with moving offenses as high-risk, those who attempt to obtain insurance will pay a higher price. Some companies may refuse coverage altogether, leaving the individual with limited options.

• What other options are available to Peoria drivers if they cannot obtain auto insurance due to their driving history?

  In cases where Peoria drivers face difficulties obtaining auto insurance due to their driving history, they should discuss this with their insurance agent regarding the Illinois Auto Insurance Plan. The ILAIP was established to offer automobile insurance coverage to eligible high-risk drivers and serves as a final option for individuals who cannot secure insurance from conventional providers.

• Do insurance providers have the authority to deny coverage to drivers with DUI convictions in Peoria?

  Insurance companies have the ability to refuse to renew or cancel policies for drivers in Peoria whose licenses are suspended or revoked as a consequence of a DUI. These drivers are regarded as high-risk. However, insurers may still provide auto insurance coverage to high-risk drivers, but they reserve the right to increase rates for customers convicted of DUI.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.