Auto Insurance in BERWYN, IL

Few things are more important than your financial well-being, so having adequate insurance is crucial. Depending on your policy, auto insurance can provide financial support following accidents, theft, and other unforeseen events.

What Auto Insurance Is Required by Law?

In Illinois, drivers are required to have minimum levels of liability insurance, which may cover bodily injury and property damage to others in an accident you cause. The state also has a minimum requirement for uninsured motorist bodily injury (UMBI). Keep in mind that these are the lowest levels of coverage, and it is wise to consider higher limits for better financial protection. Consult an insurance agent to determine the right amount for you.

How Much Auto Insurance Do I Need?

Determining the appropriate level of auto insurance involves assessing various factors, including the following:

• Your driving habits
• Vehicle value
• Risk tolerance
• Financial situation
• Age and mileage of your vehicle

The mandatory liability coverage in Illinois primarily aims to help you pay for the other party’s expenses if you’re responsible for an accident. However, there are other types of insurance coverage designed to protect you and your vehicle:

• Collision coverage may cover your vehicle’s repair costs if it’s damaged in an accident.
• Comprehensive coverage may help compensate for noncollision incidents such as theft or vandalism.
• Medical payments coverage may reimburse your own medical bills from an accident, even if you caused the crash.
• Uninsured motorist property damage, similar to UMBI, kicks in when you’re involved in an accident with an at-fault driver who lacks adequate insurance. This may pay for your property damage due to such an accident.

When to Buy Auto Insurance

State regulations govern car insurance rates, and insurance companies must provide uniform rates based on factors such as age, ZIP code and vehicle make and model. As such, insurance doesn’t go on sale, and brokers cannot always secure special deals for cheap car insurance. To find the best rates, shop around during your policy renewal or after the following major life changes:

• Your birthday
• When you move
• When you get married
• When your driving record changes
• When you can’t afford your premiums

Where to Buy Auto Insurance

The agents at Bicent Insuremart Agency, Inc. can discuss your options and help you find the auto insurance coverage that best suits your needs.

Contact us today to get an instant quote.