Car insurance is just one of the things you need to consider when buying a new or used car, and finding the right insurance policy and company for you might seem daunting at first. Knowing what insurance options are available to you and their rates can help take the stress out of finding that perfect policy that doesn’t break the bank. That’s why we at American Auto Insurance in Illinois made this helpful guide discussing why auto insurance is important, along with the different coverage choices you can choose from so you can get out on the road. Keep on reading to learn more.
Why You Need Auto Insurance
Auto insurance not only gives you the peace of mind that you and your vehicle are covered in the event of a collision, but Illinois requires it for drivers. Illinois requires two forms of liability insurance:
- Bodily injury: $25,000 in coverage for the injury or death of one person in an accident, with a total maximum of $50,000 per incident.
- Property damage: $20,000 in coverage for damage to the property of another person or entity.
Having this coverage lets you get back to enjoying driving around Cicero rather than worrying about if you get in a collision. It also helps prevent you from getting a ticket if you’re pulled over and don’t have a current insurance policy.
What Is SR-22 Insurance?
This type of insurance is mandated by the state of Illinois if it deems you a high-risk driver. You’ll need SR-22 insurance coverage if you have multiple convictions for driving without insurance or multiple collisions on your record.
How Insurance Can Help You See the Sights
Getting insurance at the price that’s right for you lets you worry less about driving around town and focus more on the fun things to do around Cicero, Illinois. For example, you can journey over to Columbus Park, where you can take in the beauty of this historic 140-acre green space by walking among the several trails or hosting an event at the refectory building.
Other top sites include the Oak Park Conservatory, where you can take in the local heritage and botanical beauty, St. Mary of Częstochowa, where you can gaze at the neo-Gothic architecture, or West Cermak Road, where you can stop in at one of the many amazing local shops.
How To Get Auto Insurance That Fits Your Budget
American Auto Insurance offers a host of insurance options at a low rate, meaning you can get the exact coverage you need without breaking the bank. This one-stop-shop approach makes finding insurance simple and easy. To get started on getting the right insurance policy for you, all you have to do is get a free quote to get coverage fast. There are many insurance options to choose from, including:
Uninsured/Underinsured Motorist Coverage
Having this type of insurance helps to protect you if you were in a collision with an uninsured driver or if you were involved in a hit-and-run accident. Coverage usually starts around $25,000 per person or $50,000 per accident.
Bodily Injury Liability Coverage
This type of liability coverage covers costs associated with injury or death in a collision. Bodily insurance coverage can help pay for medical expenses for the driver of the other vehicle, passengers in either vehicle, and pedestrian bystanders.
Property Damage Liability Coverage
If your vehicle damages someone else’s property rather than another vehicle, having insurance to cover those expenses can take the stress out of paying from your own pocket. Property damage liability coverage does just that, as it helps to pay for expenses related to property damage and can even help pay for legal expenses if someone files a lawsuit against you.
This optional insurance helps cover damages from external collisions, including stationary objects and other vehicles. Collision coverage can also help pay for damages associated with potholes and single-vehicle accidents.
While state requirements don’t mandate this type of coverage, many auto lenders require it prior to purchasing your vehicle. This type of policy helps cover damage due to theft, vandalism, and inclement weather conditions. Having this type of insurance means no longer worrying about the cost of repairing hail damage or tree branches causing damage to your ride.
You can’t plan for emergencies or breakdowns. Having roadside assistance means that someone will always be available, whether you need a tire change, tow, or even accident response. Roadside assistance through American Auto Insurance includes a toll-free emergency hotline, towing service, flat tire assistance, lock-out assistance, battery jump starts, accident services, and gasoline delivery.
So, if your vehicle is in for repair but you don’t have the funds to afford a rental, that’s where rental reimbursement coverage comes in handy. Reimbursement coverage can pay you up to $25 to $30 per day, so you can keep on getting where you need to go, even when your car is in the shop.
SR-22 Car Insurance Coverage
This type of coverage not only includes the mandatory insurance minimums but also includes notifying the state you hold an active and current SR-22 insurance policy. Having this type of insurance lets you get back on the road, even if you’re considered a high-risk driver.
Personal Injury Protection Coverage
If you were hurt in an accident, your normal health insurance might not be able to cover all the costs. This is where personal injury protection coverage can help cover that gap and pay for deductibles, co-pays, ambulance fees, emergency room visits, and other types of medical expenses related to vehicle injuries.
Ready To Find Cheap SR-22 and Auto Insurance?
Even if you’ve been through the car insurance-buying process multiple times, the team at American Auto Insurance can help you find the insurance you need that fits your budget. We can help you through the process from start to finish and beyond, answering any questions you might have about auto insurance along the way. Our team can also help you decide which package might best benefit you with our customizable insurance package options. Go ahead and give us a call now to take the stress out of finding the right insurance company for you.