#car insurance chicago
FREE Chicago, IL CAR INSURANCE QUOTES
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Chicago Auto Insurance Quotes
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With 2.7 million residents, Chicago is the third largest city in the U.S. by population. It is sprawled across 237 square miles of land in the northeast region of Illinois ; it nudges up against the southwest shore of Lake Michigan. Despite its considerable land mass, Chicago is one of the most densely-populated cities in the U.S. (nearly 12,000 people per square mile).
The city is known by many names including Chicagoland, Chi-Town, Second City, and the Windy City. The latter nickname, arguably the one most commonly used, testifies to the strong gusts of wind that blow through some of its streets.
Chicago has one of the largest economies of any metropolitan city in the U.S. ranking behind New York City and Los Angeles. This is due to several factors, including its dominant position in the financial world, its enormous labor force, and a strong presence in several key industries. Chicago also boasts a robust tourism industry. In 2012, more than 46 million people visited the city and spent close to $12 billion.
Chicago’s climate goes through noticeable changes with each season. From June through August, the average temperature typically stays in the low to mid 80s F. The humidity level is relatively high thanks to the humid air that drifts in from the Gulf of Mexico. Winters are cold. From December through February, temperatures drop to the low to mid 30s F. Snow is common.
The wettest season is spring (March through May), during which Chicago is buffeted by thunderstorms and hailstorms. The temperature during this period remains brisk with the average high ranging between the mid-30s and upper 50s. During the autumn months (September through November), the average high ranges from the upper 70s down to the upper 40s as winter approaches. Heavy thunderstorms are common.
One of the reasons millions of people descend on Chicago each year is because the city is filled with things to do. Sports fans visit to watch its professional sports teams: the Chicago Bears (football), Bulls (basketball), Cubs and White Sox (baseball), and Blackhawks (hockey). Performing arts enthusiasts come to enjoy the city’s numerous theater and musical performances. Art aficionados revel in Chicago’s long list of museums.
In addition, the city hosts a litany of other attractions. The Hancock Observatory, Buckingham Fountain, Millennium Park, Shedd Aquarium, and the Lincoln Park Zoo draw millions of people each year. Other sites of interest include the Sears Tower Skydeck, Adler Planetarium, and Wrigley Field. While some attractions are more popular than others, the sheer variety ensures that everyone will find something they enjoy.
A city with nearly 3 million residents – and many times that number in tourists – must maintain an infrastructure that offers a number of ways to get around. To that end, Chicago outshines most other large metropolitan cities. Bus service is provided by several companies, which operate routes within the city as well as to nearby cities, such as Pittsburgh, Cincinnati, and New York.
Commuter rail service is also provided by several companies, many of which operate under the wide-reaching umbrella of Chicago’s Regional Transportation Authority. Long-distance rail service is offered by Amtrak.
Chicago’s streets provide motorists with quick access to every corner of the city. Meanwhile, nearly a dozen interstate highways support vehicular travel outside its limits.
If you own a registered vehicle, you must carry liability auto insurance that meets Illinois’s minimum requirements. Those requirements are as follows:
$20,000 for each individual injured in an accident
$40,000 for all persons injured in an accident
$15,000 property damage resulting from an accident.
uninsured motorist coverage ($20,000 per person and $40,000 per accident)
underinsured motorist coverage ($20,000 per person and $40,000 per accident)
The laws governing auto insurance are enforced through two primary measures:
1. Vehicles are selected randomly and their owners receive a questionnaire that asks for the name of their insurance provider as well as their policy number. If the questionnaire is not returned or the driver lacks coverage, his or her license plate is suspended.
2. Police officers routinely ask for proof of coverage during traffic stops. If the motorist is unable to show proof, his or her license plate is suspended and the individual must pay a $500 fine.
In addition to compliance with the state’s insurance laws, Chicago motorists who carry liability coverage benefit from financial protection. If they cause an accident that results in injuries or property damage, the injured individual can sue for damages. Liability coverage helps to mitigate the financial risk.
Carrying insurance is especially important when driving in a city as densely-populated as Chicago. Consider that Illinois saw more than 274,000 traffic accidents in 2012. Nearly half (131,402) occurred in Cook County. Half the population of Cook County lives in Chicago.
Insurance coverage can be purchased from an insurance agent. It can also be purchased directly from one of the many large insurers operating in the city (e.g. Geico, AAA, State Farm, etc.).
The most reliable way to ensure that you receive the best price on your coverages is to compare quotes from multiple insurance companies. That alone can help you to save hundreds of dollars each year.
City Of Chicago General Information
– Population: 2,714,856 (2012)