Personal auto insurance · IL & WI
We compare auto policies from several insurance companies and walk you through what each one actually covers: liability limits, deductibles, comprehensive and collision. Then you decide.
Free quote, no obligation. In English, Ukrainian, Polish or Russian.
What auto insurance covers
An auto policy is a bundle of coverages, each with its own limit or deductible. Here is what each one is for.
Pays for injuries to other people and damage to their car or property when an accident is your fault, up to your limits. It also covers your legal defense if you are sued.
It does not pay to fix your own car or treat your own injuries.
Pays for damage to your car that is not caused by a collision: theft, vandalism, hail, flood, fire, a fallen tree or hitting a deer.
You pay your comprehensive deductible first. Usually required by the lender on a financed or leased car.
Pays to repair or replace your car after it hits another vehicle or an object, or rolls over, no matter who is at fault.
Has its own deductible. Usually required by the lender on a financed or leased car.
Protects you and your passengers when the at-fault driver has no insurance, or not enough to cover your injuries. Some policies also include property damage.
Uninsured motorist coverage is required in Illinois and Wisconsin. Underinsured rules and options differ by state and company.
Helps pay medical bills for you and your passengers after an accident, regardless of fault, up to a set amount per person.
Limits are usually small and options vary by state and company.
Helps pay for a rental car while your car is being repaired after a covered claim, up to a daily and total limit.
Only applies when the repair itself is covered by your policy.
Towing, jump-starts, flat tire changes, lockout service and fuel delivery, depending on the company.
Often a low-cost add-on. Check the towing distance and the number of calls allowed.
Tell us about your cars and drivers. We will suggest limits and options and show you the price of each.
Compare Auto Insurance QuotesAvailability, limits and terms depend on the state, the insurance company and your situation. The policy itself is what defines the coverage.
Understanding your coverage
Liability limits are written as three numbers in thousands of dollars. Take 50/100/50 as an example:
Example: you cause an accident that injures two people, with medical bills of $70,000 and $20,000, and damages a car worth $30,000. With 50/100/50, the policy pays up to $50,000 for the first person, $20,000 for the second and $30,000 for the car. The remaining $20,000 for the first person could become your responsibility.
State minimum limits are a legal floor, not a recommendation. Higher limits often cost less than people expect, so we always show you the difference.
A deductible is the part of a comprehensive or collision claim you pay before the insurance company pays the rest. A higher deductible usually lowers the premium, but you pay more out of pocket when something happens.
| Deductible | You pay | Insurance pays |
|---|---|---|
| $500 | $500 | $2,500 |
| $1,000 | $1,000 | $2,000 |
Comprehensive and collision can have different deductibles, and some companies offer a separate glass deductible.
“Full coverage” is not an official type of policy and there is no standard package. Most people mean liability plus comprehensive and collision, but two “full coverage” quotes can have very different limits, deductibles and extras. That is why we compare the details, not the label.
When you compare “full coverage” quotes, check:
Exclusions differ between companies. We point them out before you choose.
What affects the price
Each insurance company weighs these factors in its own way. That is one of the main reasons prices for the same driver can differ so much.
Where the law allows it, some companies also use a credit-based insurance score. Discounts and rating rules vary by company.
Why compare insurance companies
Insurance companies price the same risk differently, and the cheapest company for your neighbor may not be the cheapest for you. As an independent agency we are not tied to one company, so we can request quotes from several and put them side by side.
We cannot promise the lowest price or that every company will offer a policy. What we can promise is a clear comparison, so you know what you are paying for.
How to get a quote
Call, text or send the short form. Mention your current policy and renewal date if you have one.
We check several companies and line up limits, deductibles and price so they are easy to compare.
In your language. You choose the policy, or keep your current one if it is the better fit.
Please do not enter driver’s license, Social Security or payment details in the online form. If a company needs them, we ask later through a secure channel.
Compare Auto Insurance QuotesAuto insurance questions
No. The law requires liability and uninsured motorist coverage, along with any other minimums your state sets. Comprehensive and collision are optional by law, but a lender or leasing company almost always requires them while you owe money on the car.
Often yes. Many companies can quote drivers with a foreign license or a short US driving history, though the options and price may differ. Tell us your situation and we will check which companies accept it.
Usually not on its own. Many personal policies exclude driving for delivery or rideshare apps unless you add a special endorsement. Tell us how you use the car so the policy matches it.
It can, especially after an at-fault accident, but each company treats claims differently. If your renewal price jumps, it is worth comparing other companies.
Usually yes. You can start a new policy and cancel the old one. Any refund or fee depends on your current company, and we help you line up the dates so there is no gap in coverage.
It can lower your premium, but only choose a deductible you could pay tomorrow without trouble. We show you the price with different deductibles so you can see the real difference.
Send the short form or call us. We compare quotes from several companies and explain the differences.
ENEnglish
ESEspañol
UAУкраїнська
PLPolski
BGБългарски