Auto Insurance
Car insurance
is mandatory in all states and is required at the time of registering
your vehicle at the Department of Motor Vehicles. We offer the state
minimum required auto insurance coverage's for the states of
Illinois and Indiana as well as full coverage auto.
- Liability
Insurance - pays for bodily injury to another person or
property damage you cause due to the negligent operation of a
vehicle.
- Uninsured
Motorist Bodily Injury Coverage (UM) - covers you for your
bodily injury caused by a hit-and-run driver or an at-fault driver
who has no auto liability insurance.
- Underinsured
Motorist Bodily Injury Insurance (UIM) - pays the difference
between your UIM limits and the liability limits of the at-fault
driver, if lower than your UIM limits.
- Medical
Payments - covers medical and funeral expenses for you
or your passengers if injured or killed in an accident in your
vehicle.
- Collision
Coverage - pays for physical damage to your vehicle if
it collides with another object.
- Comprehensive
Coverage - pays for damage to your vehicle from most other
causes, such as theft, fire, hail etc.
Optional
Coverage's. For Additional Premium
- Uninsured
Motorist Property Damage Insurance (UMPD) - covers damage
to your vehicle caused by an identified, at-fault, uninsured driver.
This option is only offered if you choose not to purchase collision
coverage.
- Towing
Coverage
- pays a portion of the costs to tow your disabled vehicle to
a repair shop.
- Rental
Reimbursement Coverage - pays a specific amount per day
(e.g. $15) for you to rent a vehicle while your vehicle is being
repaired due to a covered loss.
- Custom/Non-factory
Equipment Coverage - covers customized features such as
those found on conversion vans, as well as specific non-factory
items such as tape decks, cellular phones or CB radios.
Auto
Insurance Pricing
Rating factors
govern what you pay for auto insurance.
- Driving
Record
- Age,
Sex and Marital Status
- Location
- Type
of Vehicle and Vehicle Use
Discounts you
may qualify for::
Good Drivers
- given to policyholders who maintain good driving records.
- Good
Students - given for young drivers who maintain a B average
or better.
- Educational
Discounts - such as Youth Education and Safety courses.
- Defensive
Drivers - given to drivers over age 55 who have passed an
approved defensive driving course.
- Multiple
Car Discount - given when all vehicles in your household are
insured by the same company.
- Auto/Home
- given if you buy your auto and homeowners policies from the
same company.
- Safety Devices - given
for items such as air bags, automatic seat belts and anti-lock
brakes.
- Antitheft
Devices - given on your comprehensive coverage for devices
that deter theft or vandalism.
Ways
To Lower Your Premiums
- Maintain
a Good Driving Record
- Take
the Highest Deductible You Can Afford
- Choose
Your Vehicle Carefully
- Consider
the Age/Condition of Your Vehicle
For
more detailed information
We can provide
coverage for your:
- cars
- trucks
- motorcycles
- campers
- motor homes
- boats,
- jet skis
- Hi-performance
cars
- sport cars
- commercial
vehicles
Prior to proceeding
to the quote form, we suggest having your current policy in front
of you because there are a few items that you will need to assist
you in filling out the form. You will need the company name (not
agency) of your current insurance, policy expiration date and
the premium amount. You may also want to review the terms
and facts associated with auto insurance.
Buying a new
vehicle? Would you like to know what the payments? Try our calculator
for assistance prior to purchasing your
next car.
Approximately
6 million auto accidents occur each year. If you are involved in
an accident, would you know what to do? Knowing
what to do may help alleviate some of the anxiety that an accident
causes. For
a fast, competitive quote on your car insurance click
here!!
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