Best 5 Cheap Auto Insurance Companies Illinois With No Deposit for Imported Japanese Cars (JDM)
Owning an imported Japanese performance car or classic JDM vehicle requires unique insurance. Specialty auto policies help protect these investments better than standard insurance. This guide reviews Illinois's top affordable insurance options for imported Japanese cars.
We evaluated brands on price, coverage options, customer service, claims processes, and more to select the best choices. Whether you drive a tuned Supra, Skyline GT-R, or imported Kei car, these top providers have you covered.
Best 5 Car Insurance Options in Illinois for Affordable Coverage and Convenient Quotes
Overview of the Best Cheap Car Insurance for JDM Vehicles in Illinois
Below, we'll explore what makes each company stand out when insuring imported Japanese cars in Illinois. We'll also answer common questions to help you make the right choice.
Detailed Reviews of the Top 5 Cheap Car Insurers for JDM Cars
State Farm
With over 19,000 agents across the U.S., State Farm is one of the largest and most popular car insurance providers. Their decades of experience insure all types of vehicles. State Farm offers some of Illinois's most affordable premiums for imported Japanese cars.
Agents help customize policies specifically for specialty vehicles. Comprehensive plans have high enough liability limits for performance vehicles. Custom parts coverage is available, too. State Farm's efficient claims service gets you back on the road quickly when repairs are needed.
Another perk is their network of approved repair shops across Illinois. This makes finding a trusted local repair facility for your Japanese import hassle-free.
Key advantages:
Overall, State Farm hits the mark on price and service. Their local agents provide personalized policies to cover your unique Japanese import properly.
GEICO
Known for budget-friendly rates across the U.S., GEICO offers the same value for Illinois JDM car insurance shoppers. Premiums are very affordable for imported Japanese vehicles. You can get quotes and purchase policies online without speaking to an agent.
Geico's coverage includes standard liability, collision, and specialty options like customs parts value. Roadside assistance with towing coverage to 100 miles is useful for sports car owners. Geico also has a top-rated mobile app to manage your policy anytime.
Filing Geico claims may involve slightly more paperwork than other insurers. But you'll still receive quality repairs from their approved shops. Overall, Geico is the convenient online choice for the lowest auto insurance rates on JDM vehicles.
Key advantages:
For fast and affordable JDM coverage without the agent middleman, choose Geico.
Allstate
With over 16 million policies nationwide, Allstate is a leading auto insurer across the U.S. Illinois offers drivers customized protection for imported Japanese classics and sports cars.
Allstate agents work directly with you to tailor coverage to your JDM vehicle. They offer higher liability limits necessary for high-performance vehicles plus add-ons like custom parts value.
You can save by bundling your JDM policy with homeowners or renters insurance. Allstate also has helpful tools like their Drivewise app for tracking driving habits.
For claims, Allstate has local claims centers and a Certified Auto Repair Network of shops to get repairs done properly. Though premiums may cost more than other insurers, you'll receive quality protection and service.
Key advantages:
Allstate delivers robust specialty auto insurance tailored specifically for imported vehicles.
Country Financial
Country Financial is an Illinois-based regional insurer with over 90 years of experience. They offer drivers customized coverage through local agents. This personal touch is ideal for properly insuring classic JDM cars.
Country Financial agents take time to understand your imported vehicle's unique needs. You'll receive tailored recommendations from agents familiar with specialty auto policies. Options like agreed value coverage and spare parts protection are available.
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The country also offers extensive roadside assistance. This includes generous trip reimbursement for food, lodging, and rental cars if a breakdown occurs far from home.
The claims process involves hands-on support from your agent through getting your JDM vehicle repaired. Overall, Country Financial provides hometown expertise and service.
Key advantages:
For a personalized approach to ensuring your imported Japanese vehicle, Country Financial delivers.
Liberty Mutual
Offering both online and agent-based insurance, Liberty Mutual provides a choice in how you handle your JDM policy. Customers can get quotes and purchase coverage 100% online for convenience. Or you can work with a local Liberty Mutual agent for a more personalized experience.
Liberty Mutual offers standard imported car coverage like modifications and custom parts value. They also have useful options like 24/7 roadside assistance. Managing your policy is easy via their highly-rated mobile app.
Whether you take your JDM vehicle to a partner repair shop or your preferred mechanic, the claims process is straightforward. Premiums are also reasonably affordable, making Liberty Mutual a practical choice.
Key advantages:
Liberty Mutual provides quick and convenient JDM insurance through digital tools and local agents.
Key Factors to Consider When Insuring an Imported Japanese Car
Insurance policies for JDM vehicles have some unique considerations. Keep these key factors in mind when choosing coverage for your imported Japanese car:
Considering these elements specific to JDM vehicles will ensure your specialty import is properly covered.
Frequently Asked Questions
Why is regular insurance often insufficient for imported Japanese cars?
Mainstream policies may not account for needs like limited annual mileage, storage requirements, finding import-specific parts, extended towing, maintaining collector value, etc. Specialty JDM coverage handles these unique factors.
How can I save money insuring my JDM vehicle?
Opt for higher deductibles, limit mileage for a discount, bundle multiple policies, ask about member organization savings, maintain a good driving record, and lower coverage on older/low-value classics.
What coverage minimums should I have on a classic or performance JDM car?
Most insurers recommend at least $100,000 bodily injury liability per person, $300,000 total bodily injury per accident, $100,000 property damage liability, and $500 deductible for comprehensive & collision coverage. Adjust based on your car's value.
Can aftermarket mods or new parts affect my coverage?
Yes, notify your insurer anytime you modify your JDM vehicle to ensure adequate coverage. Custom parts coverage add-ons help protect your investment in upgrades.
How do insurers value JDM vehicles when calculating premiums?
They assess the car's original sale price plus current aftermarket value based on resources like Kelley Blue Book. Agreed value coverage locks in a set payout upfront.
Can I insure an imported Japanese car that must still be legally driven on public roads?
Non-street legal project cars can often still be insured under storage, collector car, or restoration policies until road-ready. Let your insurer know the car's status.
Choose the Best Japanese Car Insurance for Your Needs
While many of these top providers are great options, consider your specific imported vehicle's requirements. Sports cars need higher liability limits and custom parts coverage. Classics should have agreed value policies. Limited use and storage insurance work for non-regularly driven project cars. Match your JDM insurance policy to your vehicle's needs.
We hope this guide gives you confidence in choosing the perfect coverage for your cherished imported Japanese car in Illinois. Drive safely and protect your investment!
Disclaimer:?The reviewed car insurance products are stand-alone services, and we have no direct involvement in their quotes or influence over rates and terms. Requesting a car insurance quote does not guarantee approval, and some products may perform other checks. Some car insurance products may only be available in some states. This article provides general information, and although we strive for accuracy, we are not liable for errors or omissions. Some links may be affiliate links; we may earn commissions if clicked. Verify information independently and seek professional advice before making decisions; use of this article implies acceptance of these terms.