Auto Insurance

Car insurance is designed to protect you and everyone who shares the road from the potentially high cost of accident-related and other damages or injuries. It is a contract in which you pay a certain amount — or “premium” — to your insurance company in exchange for a set of coverages you select.

A basic car insurance policy is required for drivers in Illinois.  If you finance or lease your vehicle, your lender may also require specific car insurance coverages and limits.  Beyond legal requirements, carrying car insurance is a smart decision. If you cause an accident or get into one with an uninsured or underinsured driver, you may be held responsible to cover related expenses, such as car repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk.

Working with our agents to create a car insurance policy that addresses your individual needs and budget can protect you, your loved ones and your assets in the aftermath of an accident.


What does car insurance cover?

It depends your insurance company and the coverage options you choose. Since bodily injury and property damage liability insurance is required, at a minimum your policy should cover vehicle and property damage, injury-related expenses and legal fees for other people involved in an accident you cause, up to the state-mandated policy limits.

You and your car, however, are not automatically protected by the minimum coverage requirements. To get the most complete protection for your individual needs, discuss available coverage options with one of our agents.

Optional Coverages:

Collision Coverage

Comprehensive Coverage

New Car Replacement 

Roadside Assistance 

Car Rental Reimbursement                                                         

Medical Payments Coverage                                           

 Uninsured/Underinsured Motorist Coverage


Who does my insurance cover?

Your car insurance coverage typically applies to any driver listed on your policy, which is why it’s important to list all drivers in your household on your policy.

Your policy may offer some protection for licensed drivers not listed on your policy who you occasionally let drive your car, such as:

  • Extended family (visiting grandparent(s), parent(s), aunt/uncle(s), niece/nephew(s)).
  • Friends (sharing shifts on a road trip, borrowing while your own car is broken down).
  • Boyfriend/girlfriend (who doesn’t live with you).

Check with your insurance representative to learn more about who needs to be included and who is covered on your policy.