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Auto Insurance Information
Auto Insurance in Libertyville, IL and Gurnee, IL
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
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:
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:
Rental car reimbursement
Custom parts coverage
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:
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.