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Confused about Illinois car insurance rules—anyone else?

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Posts: 13
(@yoga622)
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Yeah, it’s frustrating when the rules seem to shift depending on who’s behind the badge. I’ve noticed some officers are still a bit old-school about digital proof, even though it’s legal. Haven’t personally seen classic cars get singled out, but I wouldn’t be shocked if older rides get a closer look just because they stand out. Hang in there—most of the time, having both paper and digital handy covers you either way.


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Posts: 9
(@michael_peak)
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I’ve noticed some officers are still a bit old-school about digital proof, even though it’s legal.

Yeah, I’ve run into that too. Had an officer last year who looked at my phone like it was some kind of magic trick when I pulled up my insurance app. He eventually accepted it, but you could tell he wasn’t thrilled. I keep a paper copy in the glovebox just in case—old habits die hard, I guess. As for classic cars, mine definitely gets more attention at checkpoints, but I figure that’s just part of the territory when you’re driving something that stands out.


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minimalism885
Posts: 9
(@minimalism885)
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Yeah, that’s still pretty common. Technically, Illinois does allow digital proof (like an app or PDF on your phone), but not every officer seems totally comfortable with it yet. I always suggest keeping a backup paper copy, just in case you run into someone who’s not up to speed. With classic cars, you’re right—they draw more attention, so having both forms handy can save time and confusion. It’s not required, but it definitely makes things smoother if there’s any pushback.


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chef26
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(@chef26)
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I always suggest keeping a backup paper copy, just in case you run into someone who’s not up to speed.

Couldn’t agree more. I’ve had an officer squint at my phone like it was a magic trick. Paper backup lives in my glovebox—old habit, but it’s saved me from awkward roadside tech support more than once. Classic car or not, it’s just less hassle.


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ryan_blizzard
Posts: 7
(@ryan_blizzard)
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Paper backup lives in my glovebox—old habit, but it’s saved me from awkward roadside tech support more than once.

That’s the thing—tech is great until it isn’t. I keep both the paper and digital copies, but honestly, the paper’s been more reliable. Had a situation last winter where my phone died right as I was pulled over. Not a fun conversation. For what insurance costs in Illinois, I’d rather overprepare than risk a ticket just because someone’s scanner isn’t working or they’re not comfortable with digital. Maybe it’s overkill, but I like knowing I’ve covered every angle.


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