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Car Insurance Basics 101:

Who needs it?

“State laws typically say that as a driver, you must have liability insurance. If you should cause injury or damage to another person, an insurance policy is the easiest way to document that you can pay damages if you must. You also need auto insurance to protect yourself financially. If you or someone who is driving your car seriously injures another person, you can be held liable for the injured person's medical expenses, rehabilitative therapy, car repair bills, and long term nursing care, as well as for his or her lost earnings.”

What’s the difference?

There are two primary levels of coverage: liability coverage or full coverage, which is mandatory if you owe any money on your car. Additional medical, towing, and rental reimbursement is optional. Here are some other things to consider:

Liability insurance covers:

• Bodily Injury - This covers any bodily injury to the other party.
• Property Damage – This covers any property damage that you may have caused to another party.
• Uninsured Motorists – This pays you and passengers in the insured vehicle monetary damages to recover from bodily injury or death caused by an uninsured or hit-and-run motorist. This is only for your bodily injury, not damage to your vehicle.

Full Coverage includes:

• Collision – Pays for loss or damage to your vehicle caused by collision with another vehicle or object.
• Comprehensive – Pays for loss or damage to your vehicle caused by fire, theft, vandalism, hail, ice, wind, riots, falling objects, water, etc.
• Repair Deductible- You will have to pay a deductible to get your vehicle fixed. You pay your deductible and the company will pay the rest. The higher your deductible is the less you will pay for insurance. Deductibles typically range between $250 and $1000.
• Rental- This coverage will reimburse you in the event you need to rent a vehicle while your car is being repaired from damages due to an accident.
• Towing- This will reimburse you if your vehicle requires towing.
• Loss Payee / Lien Holder –The Bank or Financial Institution who you are financing your vehicle through will require to be listed on your physical damage policy. They will apply the check from the Insurance Company towards your loan balance and any remainder they will give to you.

Who sells it?

As you’ve no doubt noticed…lots of people sell car insurance. The problem is actually not that there aren’t enough choices available, but rather that there are so many that it’s overwhelming. It’s hard to know who to trust and where to get the best rates. Most people do not have a lot of extra time at their disposal and need to get chores like this taken care of as easily, quickly, and cheaply as possible. That is going to mean someone who can narrow down the options for you. Look for an agent that has:

• A high standing with insurance companies, allowing them to represent many companies. More competition will mean you’ll get a better price.
• A high level of customer service. Knowledgeable representatives help you customize and find the right policy for you.
• A highly computerized system: it’s faster and easier to juggle the coverage and find policies with the features you can afford.

Where do I go?

The Illinois Insurance Center has 24/7 service with a new point/click/buy system available. It’s recommended to actually speak with a representative so that they can fully customize the options to meet your requirements. The Illinois Insurance Center has a long standing reputation for excellent service and professionalism; they can get you the best price possible with the most coverage. Contact us for a no-obligation quote, and enjoy our professional services.