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Auto Insurance

Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


As a locally owned and operated insurance agency, Jim Kelly Insurance has provided quality policy services to our friends and neighbors in Libertyville for more than three decades, and we’re committed to being the independent agency of choice for them well into the future. We offer you the ease of receiving services through a small business, while guaranteeing that your policy options will come backed by some of the most trusted insurance companies on the market.

One of the most essential insurance benefits that almost everyone will need at some point in life is auto insurance. It’s an important piece of financial protection for any driver who values both their own security and that of their vehicle. Let us help you get the benefits you need at prices you deserve.

Contact us at 847-367-1234 or just request your free auto insurance quote online now!

Common Auto Insurance Questions

What is auto insurance?

Car insurance is a guarantee of financial assistance in case you ever experience sudden, unexpected problems associated with owning or operating a motor vehicle.

You never know when you might experience problems like:

  • Having a wreck that causes damage to your vehicle

  • Seeing your car damaged by hazards like fires, theft, vandalism or severe weather

  • Being sued because you were at fault for an accident that harmed other

However, the common factor that all of these hazards share is that they could be very expensive, and you shouldn’t have to worry about how you’ll recover from them if they ever happen to you. Auto insurance will provide you with compensation to cover the costs of numerous hazards like these, in ways that will ensure that you don’t suffer unduly just because you were involved in a problematic situation.

What does auto insurance cover?

Every auto insurance policy can be customized to the needs and desires of the policyholder, and each offers policyholders the opportunity to choose from numerous benefits, including:

  • Liability insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

  • Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property damage liability coverage: This pays for damage to the other party’s property.

  • Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.

  • Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.


To further customize your benefits, you can also enroll in coverage like:

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance


How much auto insurance do I need?

Auto insurance is required, by law, to be carried by all Illinois drivers. The minimum mandatory coverage limits imposed on all vehicle operators are:

  • $25,000 Bodily Injury Liability Coverage per person

  • $50,000 Bodily Injury Liability Coverage per accident

  • $20,000 Property Damage Liability Insurance

All drivers are required to carry proof of insurance in their vehicles at all times.

Because these are only the minimum coverage limits available, you are encouraged to purchase both higher levels of liability insurance, and to augment it with other benefits like collision, comprehensive and uninsured/underinsured motorist coverage.

What Will My Policy Cost?

There are numerous factors that might influence the cost of your auto policy, including:

  • Vehicle value

  • The policyholder’s accident history

  • Location of the insured vehicle

  • Annual mileage

  • The chosen coverage limits and deductibles

We understand that you will want to save as much as possible on your plan, and we will work with you to make sure you receive the policy that offers you the best balance of both protection and price. Plus, we will be certain to include all applicable discounts to your plan, to ensure that you always pay the most optimized price for your benefits.