Illinois state law requires adequate auto insurance before you get behind the wheel of a car. There are many ways to purchase this all-important coverage, but working with an experienced agent is the best way to make sure you and your assets are protected in case of an auto accident or theft.
Help Keep Rates Down for everyone - including yourself!
Choose a Safe Car
When you buy or lease a car, choose on the basis of safety features and the cars record of crashworthiness, if it is easily damaged and repair costs. If the safety features you want such as air bags are not offered, complain to the auto makers. Some of them already are getting the message. Safety sells.
Drive carefully and use safety belts and child restraints. Always drive defensively and stay alert. Never get behind the wheel impaired by alcohol or other drugs. Obey speed limits and other traffic laws. Set a good driving example for your children. Support enforcement efforts by the police and courts against drunk driving.
Fight Insurance Fraud
Fraudulent claims can cost your insurance company millions of dollars each year. These costs are passed on to you, the policyholder, in increased premiums. Report fraud to your insurance company to the State Insurance Department or to law enforcement agencies.
Talk to your agent about ways you can save.
You may be able to reduce your premiums by reviewing your policy to reassess the coverage you have. Are your deductibles too low for your financial situation? Do you need the optional coverage? Does your coverage duplicate other coverage you have? Your agent or company representative can help you analyze your policy to identify savings. Shop for auto insurance: compare prices, coverage and quality of service. Keep your driving record clean to get lower premiums. Take advantage of discounts offered by your company.
Secure your automobile & Prevent Auto theft
Many companies offer discounts if you install an active or passive auto anti-theft device in your car or if you etch the vehicle identification number in the corners of your windows. Park your car in a protected area. Always lock your car. Never leave packages or belongings in sight in your car. Avoid known high-risk parking areas.
Help Control Medical COst
Quality medical care is not necessarily the most expensive. Challenge doctor or hospital fees that appear to be unreasonable or that seem to be unnecessary treatment. Educate yourself on appropriate medical treatments and avoid unnecessary medical charges from your doctor and hospital.
Lower your repair costs by using competitive replacement parts
Replacement parts supplied by someone other than the auto manufacturer can save up to 33 percent on repair costs. Certified replacement parts have been found to be equal in quality to the original manufacturer's parts with warranties that also are equal or better. Used parts are also a cost effective alternative in quality auto repairs.
This coverage pays others those amounts for which you become legally liable due to an auto accident. This may include drivers, passengers or pedestrians. You also receive coverage for payments of amounts for which you are found liable for damage to another's property as the result of an auto accident. This also pays for your legal defense costs if you are sued.
Uninsured Motorists Protection
This coverage provides bodily injury coverage for accidents caused by a hit and run driver or uninsured driver which occurs when you or your family are driving a covered auto, or while you are a pedestrian. In some states, uninsured motorists protection also covers property damage.
Underinsured Motorists Coverage
Pays for damage you are legally entitled to recover from another party when that person's liability insurance is not adequate to cover your loss.
This coverage pays reasonable medical expenses for you or members of your family if you are injured in an auto accident or as a pedestrian struck by an auto. This protection is extended to others who are injured while occupying your auto.
This coverage pays for other losses to your auto. Included is damage or loss to your auto caused by fire, theft, glass breakage, falling objects, natural disasters, vandalism and other causes of loss.
This coverage protects you from loss caused by damage to your auto from a collision with another object.
Towing and Labor
Pays for emergency repairs and/or towing when your car breaks down.
Pays for the expense of renting a substitute vehicle when there is a loss to your car.