Auto Insurance That Actually Protects You

Illinois requires minimum liability coverage, but those minimums often aren't enough to protect your assets if you cause a serious accident. We typically recommend higher liability limits than the state minimum-especially if you own a home or have savings you want to protect. Beyond liability, whether you need collision and comprehensive depends on your car's value and your financial situation. We'll walk you through the math to figure out what makes sense for you.

Insurance companies look at your driving record, age, where you live, what kind of car you drive, how much you drive, and your credit history. Living in Chicago typically costs more than suburban areas due to higher accident and theft rates. The good news is there are lots of ways to lower your rate-maintaining a clean driving record, bundling policies, taking a defensive driving course, or choosing a car with good safety ratings.

If you're still paying off your car or leasing it, your lender requires full coverage (collision and comprehensive). For older cars that are paid off, it depends on the car's value. As a general rule, if your car is worth less than ten times the annual cost of comprehensive and collision coverage, it might be time to drop those coverages and stick with liability. But everyone's situation is different-we'll help you decide what makes financial sense.

Usually, yes. Most insurance companies offer significant discounts when you bundle your auto insurance with homeowners or renters insurance. We've seen people save anywhere from ten to twenty-five percent by bundling. We'll run the numbers both ways to show you the difference and make sure bundling actually saves you money.

Don't let this happen if you can avoid it. A lapse in coverage can lead to higher rates when you go to get insurance again, and you could face fines and license suspension. If you're struggling to pay your premium, call us right away. Sometimes we can adjust your coverage or find a less expensive option to keep you legal while staying within your budget.