Yes. Many drivers can get a quote, choose coverage, pay, and receive proof of insurance the same day. You can get a cheap car insurance quote online and purchase your policy today with providers like The General. The exact speed depends on your driver info, vehicle details, and whether any additional verification is needed. But for most drivers, the process is fast and straightforward.

Yes. Once your policy is purchased, you can receive your insurance ID cards right away:

• Online purchase: Download instantly and/or save to your phone
• Phone purchase: We email ID cards
• In-store purchase: We hand them to you

Illinois requires liability coverage to drive legally. The required minimums are commonly discussed as 25/50/20:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $20,000 property damage per accident

Most states set minimum liability coverage limits that drivers must meet to legally operate a vehicle.

Many drivers choose higher limits because a single accident can exceed minimum coverage quickly, especially with modern repair costs and medical expenses.

• Liability-only generally means your policy covers damage/injury you cause to others (up to your limits), but not repairs to your own vehicle if you cause an accident.
• Full coverage usually refers to liability plus Comprehensive and Collision (covers many types of damage to your vehicle, subject to deductibles). If you have a car loan, your lender will typically require you to carry comprehensive and collision coverage until the loan is paid off.

“Full coverage” is not a single standardized product—coverage can vary. The exact protections depend on your policy.