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Legal liability. S what illinois vehicle auto insurance is all about. Keep in mind that insurance companies look at collective data, such as how many accidents, incidents of vehicle crime and personal injury lawsuits are filed when factoring on rates for a certain area. We have found the top five choices for car insurance providers in illinois to be geico, usaa, and state farm. Insurers collect actual data about your driving habits to measure your risk of having a wreck. If the insurance agent quotes the premium incorrectly, the correct amount figured by the insurance company is the price you will actually be required to pay. Check out some of the discounts that may be available on your illinois auto insurance policy.