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Illinois auto insurance companies want to remind their customers of the importance of insurance when considering budget cuts, as expenses rise and income remains the same or is lowered due to job loss or decrease in hours worked. Insurance is an age old industry which began when merchants wanted to protect their cargo being shipped to their customers in distant places. The practice was to divide the cargo among many ships so that at least some of the cargo would arrive safely. Eventually, other enterprising businessmen elected to have those merchants pay them a premium to guarantee their cargo safely arriving at their destinations. Thus the industry know as insurance was born.

Sometime in the early 1910's auto insurance was required by driver's to insure against accidents they had in their new fangled invention known as the automobile. Today, every state in the United States and both of its neighboring countries require those who drive a car to have auto insurance. Illinois auto insurance companies are aware auto insurance has many different meanings among the driving public today. Due to the high costs of car repair when a vehicle is involved in an accident, to the high cost of hospitalization when a person is injured in an auto accident, auto insurance becomes a necessity. All states have minimum values for liability insurance, in Illinois it is 20/40/15.

When trying to decide the purpose of auto insurance, you will need to consider what you are protecting. If you are a young adult, just starting out, and your car is used, then the state required minimum insurance would be adequate for your purposes, since you do not have much tied up in either the car or in your possessions. But, if however, you are older, with a home, family, and have begun to accumulate the toys associated with being a more successful citizen, you may want to make sure the insurance you do carry is enough to protect what you have been working all of your life to acquire; not risk it when an accident occurs and catches your short on the amounts you insured your property against because you were wanting to save a few dollars a month.

Illinois auto insurance companies want their customers to save money where they can as they are considering their budgets, but they also want their customers to be realistic when they are considering tightening the budget, to not become penny wise and pound foolish.



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