How to Prepare for Car Insurance Renewal: An Illinois Drivers’ Checklist

Getting ready for your auto insurance renewal can be stressful. When renewal time approaches, some drivers search for more affordable coverage while others wish to change their policy. Some may even be looking to switch insurance companies.  

If your car insurance renewal date is approaching and you want to prepare, this blog includes: 

How to renew your auto insurance 

As an Illinois driver, these are the ways you may renew your car insurance policy: 

1. Automatic renewal: If you signed up for automatic payments and renewals, your account gets charged, and your policy continues automatically. Insurance companies typically send an email or letter notifying you of the upcoming renewal and premium changes, if any.

2. Calling your insurance company or agency: If your renewal date is approaching, you can also contact your carrier or preferred auto insurance agency. They can help you discuss your current coverage needs and options.

3. Online: Many carriers and agencies have websites or apps that let you access your account, check renewal dates, and renew your coverage.

Driving without insurance in Illinois 

It’s important to continue your coverage because Illinois state law requires drivers to have the minimum liability insurance. If you are involved in an accident and can’t show proof of insurance, you may receive a traffic citation. Convictions may lead to fines and the suspension of your license plates, according to the Illinois Secretary of State. 

Auto insurance renewal checklist 

Here’s a handy checklist Illinois drivers can use to prepare for their policy renewal:

1. Know Your Renewal Date 

To avoid lapses in your coverage, check your policy renewal dates, whether online or by contacting your insurance company. Lapses in coverage may lead to fines and higher auto insurance premiums. 

Some drivers add their renewal date to a calendar or set a smartphone reminder to help them avoid missing their renewal date.

2. Review your current policy

Before the renewal date, check your policy details and consider the following: 

• If you need to make changes to the limits or deductibles
• If the value of your vehicle has changed 
• Whether you need extra coverage beyond the required minimums. For example, you may want to add comprehensive coverage or roadside assistance.

3. Check for life changes that affect your policy

Here are some questions that can help you decide if your car insurance policy needs updating: 

• Have you moved, gotten a new vehicle, or need to add a spouse or teen to your policy?
• Have you improved your driving record?
• Did your commute change? For example, if you currently work from home and have reduced your mileage, your premiums may cost less.

4. Gather the required documents 

Documents you may need include: 

• Your driver’s license, foreign driver’s license, or matricula consular
• Proof of your current insurance, including your policy number 
• Vehicle registration 
• If applicable, your SR-22 paperwork

5. Confirm and renew  

• Double-check your coverage options before submitting a renewal request.
• If you are changing insurance companies, ask the carrier to start your new policy at least one day before the old one expires, so you can avoid a lapse in coverage. 

Compare quotes with Illinois Vehicle 

Before renewing your current policy, it may be useful to compare rates with different car insurance companies. When you shop around, you may find: 

• Lower premiums
• Qualifying discounts 
• New customer incentives 
• More personalized coverage 

Illinois Vehicle can help you compare car insurance quotes from multiple carriers at once, so you can find a budget-friendly option. Our Spanish-bilingual agents are ready to answer your insurance questions. Call us at 630-581-4805 or go to one of our Chicagoland locations. 

Disclaimer:   
This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.