Our local Schaumburg team guarantees that when you need us, we'll be there.
We can find auto insurance discounts you may not find on your own.
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
How much auto insurance is right for you?
Auto insurance requirements vary by state.
Our team of insurance professionals will help guide you through the requirements and will work with you to ensure you have the right car insurance coverage. Save even more by bundling home and auto insurance together for even greater discounts.
SOME STATES REQUIRE LIABILITY, NO-FAULT OR BOTH TO DRIVE!
Liability insurance is a necessary component of generally every auto insurance policy and required by law in almost every state. This type of coverage is to pay for losses you cause to others.
Coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault.
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle.
We write insurance in Illinois and Wisconsin and would be happy to help you ensure you have the right car insurance coverage.