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Whether you realize it or not, you are at risk every time you get behind the wheel of your vehicle. Even the smallest moment of hesitation can end up causing an unexpected accident, resulting in the potential for physical and emotional damage. Plus, the number of cars on the road on a daily basis can be overwhelming, especially in highly populated areas such as Illinois.

If you are driving a car, you need to have adequate car insurance, it’s as simple as that! When you think about auto insurance, what comes to mind? Of course, car insurance in Rockford and surrounding areas covers your vehicle, but it covers much more than that, too.

Being aware of your car insurance options is a key step in getting the highest-quality, most affordable coverage, and our team at Insured ASAP is here to help you every step of the way.

How Our Independence Benefits You

In the case of a serious car accident, especially if you were found to be at-fault in the accident, your life may be flipped upside-down. Without the right insurance, your bank account could easily be drained. However, one common misconception about car insurance in Rockford is that you have to pay a high premium in order to receive the best coverage.

At Insured ASAP Insurance Agency, our team is 100 percent independent, which means we can easily sift through all of the insurance rates on the market to help you find what’s best for you. Easily compare your current coverage with other available policies on the market and change coverage accordingly. It really is as simple as that! No gimmicks, no expense to you, and no reading between the lines.

That’s right, you don’t have to pay a penny more to use our services! We get compensated by the insurance companies directly, so we always work hard on your behalf to help you secure the most affordable rate for you. Plus, there’s a lot of fine print that contains crucial information in car insurance policies, so we will sort through the intricacies to ensure you have the best possible price.

Types of Car Insurance Coverage

If you’re looking over your car insurance policy, you’ll likely notice the different types of coverage. Some of the most important types of coverage include:

Collision coverage: In the case that you damage your vehicle as to the result of an accident with another object (a car, a curb, a guard rail, a house, etc.), collision coverage will be available.

Comprehensive coverage: This type of coverage protects your car in the case that a moving object causes damage. For example, if you are driving on the freeway and a rock cracks your windshield, comprehensive coverage will kick in.

Property damage: In the case that you damage someone else’s property in an accident, whether it be a house, a car, or a guard rail, you will be covered through property damage.

Bodily injury liability: If you injure another party in an accident, this part of your policy pays for their medical bills and other related expenses. Remember, medical care is extremely expensive, so it’s important that you carry limits that are high enough. We are happy to help you with this!

Uninsured and underinsured liability: If you’re injured by another party, this type of coverage kicks in. The other party is either unidentified or they were not carrying a high enough limit to cover your expenses. This is one of the more important parts of your auto policy, as you don’t have control over the amount of insurance that others carry.

What Factors Determine Price?

The price of car insurance in Rockford and surrounding areas is based on a variety of different factors.

Age: Car insurance companies view age as a way to determine risk. Drivers under the age of 25 and over the age of 65 typically do not get the best rates due to statistics tying these age groups to loss.

Credit: Your credit score factors into how much your car insurance is. The higher your credit score, the better your rate.

Type of car: Insurance companies factor in the type of car that you drive, its engine size, the safety features that it has, etc. are all factors that come into play when determining the price of your insurance.

Driving history: Drivers that have a clean driving history, meaning they don’t have a record of many accidents or tickets, will receive a preferred rate over those who have a spotty history. Drivers with a questionable history usually don’t receive a preferred rate until violations are at least 3 years old.

Overall household: Insurance companies judge drivers on a household level as well, meaning they try to determine the probability of loss. Multiple drivers under the age of 25 in the same household will likely impact pricing.

FAQs About Auto Insurance

Q: Is car insurance mandatory?

A: Yes! In most states, at least some level of car insurance is mandatory. For example, both Virginia and New Hampshire don’t require drivers to have car insurance, rather, they have a minimum in place for drivers who want to opt-in. You can work with our team to discuss specifics regarding your state’s requirements. We’re always happy to help you understand the coverage that you need!

Q: Is there anything that car insurance doesn’t cover?

A: There are a variety of costs that car insurance will cover, however, it does not cover everything. General maintenance such as an oil change or tire rotation will not be covered by insurance. In some instances, your tires or your car’s battery may be covered under warranty, so be sure to look into specifics for the vehicle that you’re driving.

Q: Can I still get car insurance even if I don’t own a car?

A: Yes, this is the reason that non-owner car insurance policies exist. Typically, non-owner car insurance only covers the basics with the option to add on additional facets such as underinsured motorist protection. Non-owner car insurance is typically cheaper than traditional coverage as well.

Q: What if I drive a motorcycle, ATV, or RV instead? Is insurance still required?

A: Different types of vehicles require different types of coverage. Chances are high that you’ll need specific coverage for vehicles other than a car. Our team is happy to help you find the right policy for your needs.

Get Started with Your Quote Today!

We are happy to help you get started with your auto insurance quote! At Insured ASAP, we make the process of finding the most affordable auto insurance easier than ever. Please call our office directly or head to our quotes page to fill in some basic information to get you started. We look forward to working with you!

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