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
- 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
- Cars
- Trucks
- Motorcycles
- Campers
- Motor homes
- Boats,
- Jet skis
- Hi-performance cars
- Sport cars
- Commercial vehicles
Buying a new vehicle? Would you like to know what the payments would be? 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!
