Buying a new car is exciting for first time owners. In addition, to owning a car, one must have car insurance. In the State of Illinois, car insurance is a requirement by law. There are certain minimum limits that the law would require each driver to have. These limits apply for both old and new drivers. All motor vehicle owners in Illinois are required to have a minimum amount of auto liability insurance. In addition, lending or financial institutions may require physical damage insurance to have their interest protected in all vehicles they have financed. The required minimum coverage for bodily injury is $20000 per person injured in any one accident and $40000 for all persons injured in any one accident. The minimum coverage for property damage is $ 15000 for injury to or destruction of property of others in any one accident. Optional insurance may include uninsured motorist's coverage. Unless specifically rejected in writing, the bodily injury liability limits must be equal to the total amount of insurance coverage. Buy car insurance on the internet. To get cheap price for your Illinois car insurance compare insurance price on line. Go to an insurance company website and complete a form with information about your insurance needs. You will soon have multiple quotes from rated companies to compare and then choose one with cheapest rate. To save on insurance, use public transport and drive less. Car insurance companies often base your rate on how much you drive. Limit the number of miles you drive in a week, month or year as this could save your insurance cost. Take advantage on any discount such as saving for anti theft devices and insuring your home. The best way to find cheap insurance in Illinois is to spend time window shopping. Like in other states insurance companies can vary a lot from one company to another. Get at least three or more different quotes.