Auto Insurance

Under Illinois law, liability insurance policies automatically include uninsured motorist coverage at the legal
minimum requirements for bodily injury or death. This ensures coverage if you are involved in an accident
with a driver who is uninsured.

Insurance protects you and your financial assets. Without coverage, a single-vehicle collision could lead to significant financial loss and cause you to lose your driving privileges.

Auto insurance usually consists of the following basic protections: 

Liability coverage can help cover another person’s medical bills or costs to repair their vehicle and property damage from the accident. Most states have legal minimums to how much liability coverage you must have, but it’s often a good idea to carry more than required to decrease your chance of high out-of-pocket costs later.

Collision coverage covers your car if you hit another vehicle, person, or non-moving object. Collision coverage helps cover costs to repair your vehicle regardless of fault. Collision does not cover if you hit an animal or your car breaks down. 

Comprehensive coverage protects your car from things other than liability and collision, such as theft, vandalism, fire, or severe weather. Comprehensive coverage and collision coverage are typically purchased together.  

While most insurance products are similar in price and function, insurance providers are very different when structuring a policy. Not all insurance companies weigh pricing factors the same. 

Here are the main factors that affect pricing:

  1. Driving Record.
  2. Credit History.
  3. Coverage Selections.
  4. Deductible Amount.
  5. Car Insurance History.
  6. Car Make and Model.
  7. Age and Driving Experience.
  8. ZIP Code.
  9. Other Non-driving Factors.

The higher your deductible is, the lower your premium will be. Driving safe is one of the best ways to keep your premium low.

We're your neighnbor, partner, and advocate - here to help manage your financial risk.

Contact one of our professional advisors to get started today. .  

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