Automobile Insurance in Burr Ridge, IL

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To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.

Auto insurance provides property, liability and medical coverage:

If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

THE SIX PARTS OF YOUR AUTO POLICY

Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.

Bodily Injury Liability

For injuries the policyholder causes to someone else.

Medical Payments or Personal Injury Protection (PIP)

For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

Property Damage Liability

For damage the policyholder caused to someone else's property.

Collision

For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc.

Comprehensive

For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.

Uninsured Motorist Coverage

For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:

  • Purchase the amount of liability coverage which makes sense for you.
  • Select the optional coverages you want.
  • Decide which company to purchase insurance from.
  • Don't base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.

When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy.

Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.

Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.

There are several things you can do to lower the cost of your automobile insurance.

One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.

Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.