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Search by Quote ID → Search by Date of BirthMercury Car Insurance in Springfield
When you’re looking for cheap car insurance in the home of Lincoln, Mercury has got you covered. Our auto insurance policies are designed to meet the unique needs of Springfield drivers, ensuring quality coverage and affordability. Whether you’re navigating icy roads in winter or avoiding floodwaters in spring, you can enjoy peace of mind knowing we’re by your side.
Why Choose Mercury for Your Springfield Car Insurance?
- Local insights, tailored solutions: Our local agents understand Springfield’s unique driving challenges and are ready to offer tailored solutions.
- Affordable, best-in-class coverage: Mercury offers some of the cheapest auto insurance rates in Springfield without compromising quality.
- 24/7 claims service: When disaster strikes, our claims service is available 24/7 to assist you and answer any questions you may have.
- Customized coverage: From comprehensive coverage to roadside assistance, our coverage options allow you to create an auto insurance policy that meets your needs.
Is Auto Insurance Mandatory in Springfield?
Yes, Illinois requires all drivers to carry the minimum amount of auto coverage to ensure drivers can cover the costs of damages or injuries resulting from car accidents.
Legal Requirements to Drive in Springfield
According to the Illinois Department of Insurance, the following are the state’s required minimum coverages:
- Bodily injury liability: This coverage helps pay for costs related to another person’s injuries if you’re at fault in an accident. The minimum limits are $25,000 per person and $50,000 per accident.
- Property damage liability: This helps cover the costs of damages to another person’s property (like their vehicle) when you’re at fault. The minimum limit is $20,000 per accident.
- Uninsured motorist bodily injury: This coverage protects you if you’re in an accident caused by a driver without auto insurance. The minimum limits match the bodily injury liability at $25,000 per person and $50,000 per accident.
- Underinsured motorist bodily injury (UIM): This essential coverage comes into play when the driver responsible for the accident has insurance, but it’s not enough to fully cover your medical costs. UIM coverage bridges the gap, covering the difference between what the at-fault driver’s insurance can pay and the limits of your own UIM policy.
Optional Insurance Coverages
Optional coverages offer peace of mind and financial protection against a wide range of incidents beyond collisions.
- Collision coverage: Covers damage to your vehicle resulting from a collision, regardless of who's at fault.
- Comprehensive coverage: Protects you against non-collision damages to your vehicle, such as those from theft, vandalism, fire, or environmental factors like hailstorms, which are not uncommon in the Springfield area.
- Personal injury protection (PIP): Covers medical expenses, lost wages, and other expenses for you and your passengers, regardless of who’s at fault in an accident.
- Roadside assistance: Offers help when you're stranded due to vehicle breakdowns, flat tires, or empty gas tanks, providing a safety net during those cold Illinois winters.
What Does Springfield Auto Insurance Not Cover?
While auto insurance protects you against several risks on and off the road, there are some exclusions you need to know about, including:
- Intentional damage: Your policy doesn’t cover damage you intentionally cause to your vehicle.
- Wear and tear: Routine maintenance and repairs due to normal aging are not covered.
- Personal belongings: If someone steals personal items like laptops, phones, or other valuables from your car, standard auto insurance policies don’t cover them. Typically, a homeowners or renters insurance policy would cover these items.
- Business Use: Personal auto insurance policies do not cover incidents that occur while using your vehicle for business purposes, such as deliveries or ridesharing. These activities require a separate business auto insurance policy.
- Racing and reckless driving: Participating in racing or similar high-risk driving activities is not covered under standard auto insurance policies.
Get Cheap Auto Insurance in Springfield from Mercury
Finding cheap auto insurance in Springfield doesn’t mean you have to compromise on quality. Mercury offers a range of options to ensure you get comprehensive coverage at a price that fits your budget. Discover how you can save more without sacrificing the protection you need on Springfield roads.
Save More with Discounts
Mercury recognizes the importance of affordable auto insurance and offers various discounts to help lower your premiums. Whether you’re a safe driver, a good student, or own a car equipped with certain safety features, there are discounts available to reward your responsible choices.
Bundling with Mercury
One of the most effective ways to save on auto insurance is to bundle your policies. By combining your auto insurance with Illinois home insurance or Springfield renters insurance, you not only simplify your insurance needs into one package but also unlock significant savings.
- Springfield home insurance: Our comprehensive home insurance options protect your home and personal property from various risks, ranging from natural disasters to theft.
- Springfield renters insurance: Protect your personal belongings within your rental property against unforeseen events like fire, theft, and vandalism.
Springfield Car Insurance FAQ
Is car insurance high in Springfield?
According to Value Penguin, the average cost of full-coverage car insurance in Springfield is $172 per month. This price is slightly higher than the national average of $164 per month for full coverage.
What is the most important type of car insurance you should buy in Illinois?
In Illinois, the most important types of car insurance you should purchase are liability insurance and uninsured/underinsured motorist coverage since they’re both legally required. However, the ideal coverage should be based on individual factors, such as your vehicle’s value, driving habits, and financial situation. Contact Mercury now to craft an auto insurance policy perfectly suited to your needs.
How do I find a Mercury Agent in Springfield?
Visit the Illinois Insurance Agents page to find an agent in your area.
How to find the cheapest car insurance in Springfield?
Mercury can offer you competitive rates and the peace of mind that comes with comprehensive coverage. Whether you need help understanding your specific needs, exploring discounts, or customizing a policy that fits your life and budget, we’re here to guide you every step of the way.
What products does Mercury offer in Springfield?
Mercury offers several products to Springfield residents, including: