Congratulations on your first car! A field of freedom is opened to you now. However, with these freedoms comes responsibilities. One of those responsibilities is auto insurance. It may sound like a headache, but it’s very convenient when you need it. Plus, it’s the law.
Legal Requirements for Auto Insurance in Illinois
In the state of Illinois, a person may not operate, register, or maintain the registration of any motorized vehicle without coverage by a liability insurance policy. Also, another person may not operate, register, or maintain the registration of your vehicle unless they are also covered by a liability insurance policy. You must also be able to provide a minimum level of uninsured motorist (UM) bodily injury coverage as well as underinsured motorist (UIM) bodily injury coverage.
How to Get Insurance
Your best bet right now is to be added to your parents’ policy. If you have your own vehicle, they can add it to their policy. This will increase their rates, so be prepared for a long discussion with them. Once you get the policy, the company will send you an insurance card. Keep this card in the vehicle at all times. You can be penalized if you drive without it. If pulled over, politely tell the officer where your insurance card is and ask if you can retrieve it. Drive safely, both for your insurance rates and your own well-being.
Looking for Insurance in Spring Grove, IL? Spring Grove Insurance Can Help!
If for one reason or another, you cannot be on your parents’ policy, contact Spring Grove Insurance. If you are a parent and need to add your child to your policy, we can help too. We serve the greater Spring Grove, IL community, and we will personalize just the right insurance policy for you.