Homewood, Illinois, offers the best of all worlds with a quaint village atmosphere and ready access to the metropolitan delights of Chicago. Whether you’re on the road in Homewood or you’re headed off to surrounding highlights, it’s important to make sure that you always have the right auto insurance in Illinois. American Auto Insurance provides a full range of insurance products, including SR-22 coverage for those who need to report their insurance policy to the state. Homewood residents can count on American Auto Insurance for reliable and affordable auto insurance that meets all their needs.
Essential Protection for Homewood, Illinois, Residents
Homewood is a charming Chicago suburb that offers a small-town feel within easy reach of the big city. Homewood has a busy calendar of annual events, such as the Artisan Street Fair, Fourth of July Parade, Fall Fest, and Holiday Lights. During the summer months, you can enjoy fun village activities such as Chalk the Walk, when local artists cover the streets in pastel chalk masterpieces, or Touch-a-Truck, where kids can get their hands on impressive pieces of machinery on wheels.
Homewood is a popular destination for families thanks to its great schools and appealing attractions. The Homewood Science Center features engaging activities for visitors of all ages and includes a makerspace and native pollinator garden. Activities such as STEM Saturdays, robotics teams, and kids’ camps provide ample opportunities for kids to enjoy hands-on engagement. The Homewood Izaak Walton Preserve features 193 acres of woodlands, prairie, wetlands, sand dunes, and picnic grounds that are perfect for families. The Homewood-Flossmoor Park District has over 32 parks in total, covering 365 acres of space.
Having the proper protection is important for Homewood families who want to make sure everyone stays safe. American Auto Insurance is dedicated to providing the right insurance for every type of driver so you can get exactly what you need in Homewood.
Stay Safe on the Streets of Homewood, Illinois
Homewood, Illinois, has a lot of attractions that are worth taking to the streets. You might head out to hit the links at the Ravisloe Country Club or Calumet Country Club. Exploring the village of Homewood, you’ll find a variety of distinctive dining destinations, such as the 5th Quarter and Press Room Eatery and Grady’s Diner. If you can’t find what you’re looking for in Homewood, downtown Chicago is just half an hour away.
No matter where you’re headed, it’s important to have the right insurance coverage when you’re on the road. In 2022, the Illinois Department of Transportation reported 157,972 vehicle crashes in Cook County, where Homewood is located. While many drivers think that hazardous road conditions are the major cause of collisions, 115,399 of these accidents took place on dry road surface conditions, meaning that accidents can happen at any time.
While you can do your best to practice safe driving, you can’t control everyone on the road, which is why it’s important to always maintain adequate insurance coverage. Uninsured motorist coverage, in particular, is useful for protecting yourself from other reckless drivers. One in eight drivers takes to the streets without insurance. Uninsured motorist coverage ensures that you don’t have to pay out of pocket if you’re in an accident with an uninsured driver.
Auto Insurance for Homewood, Illinois, Drivers
There are many types of auto insurance that you should consider when you’re driving in Homewood and other parts of Illinois. In Illinois, you must carry a minimum of liability insurance with:
- $25,000 for the death or injury of one person in a crash.
- $50,000 for the death or injury of two or more people in a crash.
- $20,000 for damage to another person’s property.
You can also add other types of coverage for more comprehensive protection on the road.
Comprehensive Physical Damage Liability Coverage
Comprehensive coverage covers the cost of vehicle repairs related to theft, vandalism, or weather conditions. This coverage doesn’t apply to damage sustained in a vehicle accident. Comprehensive insurance is best for drivers with high-value vehicles who want to make sure they can afford immediate repairs if a tree branch dents the hood or a vandal scratches the paint. Some lenders will require comprehensive physical damage coverage to protect the asset that they’re financing. In this case, that’s your car.
Property Damage Liability Coverage
Property damage liability coverage is one of the state requirements in Illinois. This covers the damage to the other person’s car if you cause an accident. This type of coverage does not apply to damage to your own vehicle. Though it may seem like this coverage only benefits the other person, keep in mind that you would be responsible for the entire financial burden of the accident if you didn’t have this type of insurance.
Bodily Injury Liability Coverage
Bodily injury liability coverage helps pay for the medical expenses, legal expenses, lost wages, and funeral expenses of others who are injured in a car accident as a result of your own actions. This coverage may apply to the driver of the other vehicle, passengers in both vehicles, and pedestrians who are injured in the accident.
SR-22 Car Insurance
If you’re found driving without valid insurance, the state may order you to get SR-22 insurance coverage. This type of policy allows the state to monitor your coverage status and suspend or cancel your driving privileges if you don’t maintain the proper insurance. At American Auto Insurance, we can help you set up the appropriate SR-22 insurance plan so you can stay on the road, even after insurance violations.
Roadside Assistance in Homewood, Illinois
Our team at American Auto Insurance can walk you through all the ins and outs of insuring your vehicle. We’re available to answer your questions, supply a range of options, and help you set up coverage immediately. Don’t wait another moment to get the car insurance you need. Call American Auto Insurance now to learn more and set up your policy. We’ll make sure you’re always covered on the road.
Ravisloe CC, Homewood, Illinois by Dan Perry is licensed with CC BY 2.0 DEED
