When reviewing your policy, you might see certain coverages and wonder about their purpose. Here are some essential ones:
Collision Coverage
Protects your car in case it sustains damage in an accident involving another car or an object, such as a guard rail, curb, or dwelling.
Comprehensive Coverage
This policy guards against non-collision damage to your vehicle, like theft, rock chips in the windshield, and collisions with animals.
Property Damage
Compensates others if you damage their car, guard rail, house, or other property.
Bodily Injury Liability
If a person is injured in an accident, this pays for their medical bills and other associated costs.
Uninsured & Under-insured Liability
Protects you if another driver injures you and doesn't have sufficient insurance. This is crucial because you can't control others' insurance coverage.
Age
Insurance companies use age in their rating algorithms. Drivers under 25 and over 65 often face higher rates due to higher accident rates in these age groups.
Credit
Better credit usually leads to better insurance rates.
Car
The rate is influenced by the kind of car, engine size, and safety features.
Driving History
Your driving history has a big influence on your rate. A history of violations or accidents typically means higher rates.
Household
Insurers consider the entire household's risk. Multiple drivers under 25 in a household can increase everyone's rates.
How to Get Started with Your Car Insurance Quotes
If you live in Dunlap, Illinois and need a car insurance comparison, Hecht-Stout Insurance Agency makes it easy. We do the heavy lifting for you!
To get started, call our office or fill out the fields below to send us basic information about your needs. We'll begin your policy review and comparison right away!
