Auto Insurance in Bourbonnais, IL

Auto insurance is critical for all Illinois drivers. This vital form of insurance can mean all the difference if you get injured in an accident, have your vehicle damaged or cause losses to someone else. Moreover, certain coverages are even required by law.

Why Should I Have Auto Insurance?

First and foremost, car insurance can help pay for losses you sustain during a car accident or for losses you cause to others. This means it can help cover medical bills, car repairs and damages or injuries for which you’re responsible. Without such insurance, you’d be on the hook for potentially thousands of dollars after an accident.

Going without insurance can also put you in legal trouble and make it difficult to find an affordable policy in the future. In Illinois, bodily injury liability, property damage liability and uninsured/underinsured motorist coverages are required.

What Does It Cover?

Each auto policy can be unique, as you’re able to customize coverage to suit your needs. Consider the following types of coverage:

• Liability insurance may include property damage and bodily injury coverages, both of which are required in the state. This insurance helps cover damage or injury you cause in an accident. Keep in mind that minimum-required levels may be insufficient for serious accidents, so consider increasing your limits to avoid out-of-pocket costs.

• Collision coverage may help pay for damage to your car, regardless of fault.

• Comprehensive coverage may cover non-collision damage to your vehicle, such as theft, vandalism and severe weather.

• Medical payments coverage may help pay for your medical bills and those of your passengers after an accident.

• Uninsured/underinsured motorist coverage, which is also required, may help pay for damage caused by a driver with insufficient or no insurance, including hit-and-run drivers.

Your insurance broker can help review your unique circumstances and recommend suitable coverage.

How Can I Lower My Car Insurance Costs?

There are numerous ways to help control the cost of your car insurance. One way is to focus on necessary coverage rather than optional inclusions. For instance, if you have an old car, you may not need collision insurance because potential damage may cost more to repair than the vehicle is worth.

You may also choose to raise your deductibles (e.g., what you pay before insurance kicks in), which can help reduce monthly costs; however, be sure you can cover the higher out-of-pocket expenses after an accident.

Ultimately, the best way to find affordable car insurance is by consulting
First Community Insurance & Annuity Center. We can help you shop around, find discounts, and explain other ways to help lower your overall costs. Contact us today to learn more.