Illinois Car Insurance Quotes

Protects you from financial responsibility for injuries, deaths, or property damage incurred due to your negligence.

Designed to help protect you financially in the event that you are held liable for injury, death, or property damage suffered by others. This coverage can help pay for expenses related to any legal proceedings that may arise, as well as any damages awarded to the victims.

Provides protection for the policyholder against financial losses incurred as the result of damage to someone else's vehicle or property. This can include repairing a car after an accident, fixing a fence that you damaged, or repairing the front of a building.

A deductible is the amount of money you are required to pay out of pocket before your insurance policy begins to cover a claim. This is a key feature of many types of insurance policies, including homeowners, renters, and auto insurance. A policy may have multiple deductibles depending on the coverage it includes.

Car insurance will vary in cost from person to person and vehicle to vehicle. There are many factors that are considered when determining premiums. These factors include type of policy and coverages included, address, driving history, age, credit history, occupation, etc. CGO can help navigate this process, and we would be happy to do so. Please see the quote link here, and at the bottom of the page

Provides reimbursement for the damage or destruction of your vehicle resulting from a collision. This type of coverage is typically included as part of a standard insurance policy and helps to protect drivers from the financial consequences of an accident.

Provides protection for the owner of the vehicle if it is damaged due to vandalism, theft, hail, fallen trees, and other covered perils. This coverage can help pay for the costs associated with repairing or replacing the vehicle.

Covers medical expenses if you or your passengers are injured in an accident.

Protects you financially in the event that the other driver is at fault and does not have insurance. This coverage can help pay for your medical expenses, property damage, and other losses.

Roadside assistance is a service that covers the cost of common roadside services like tire changes and jump-starts.

Provides financial assistance for car rental expenses when your vehicle is in the shop as a result of a collision or other covered loss.

You are legally required to carry auto liability insurance for your vehicle. Driving without insurance can come with severe consequences, including: hefty fines, license suspension, or even jail time.

Generally, you are covered in a rental car at the same auto limits you carry on your own personal policy.

Unfortunately, normal wear and tear on a vehicle’s engine is not covered under your insurance. However, your insurance will most likely cover the cost of a tow if your vehicle does break down and your are in need of assistance.

Car insurance will vary in cost from person to person and vehicle to vehicle. There are many factors that are considered when determining premiums. These factors include type of policy and coverages included, address, driving history, age, credit history, occupation, etc. CGO can help navigate this process, and we would be happy to do so. Please see the quote link here, and at the bottom of the page

Your state will have a state minimum coverage for liability and property damage coverage. Bodily Injury and Property Damage liability is coverage for damage you may cause to other people or their property. We always recommend talking to an agent to find the correct limit for your policy, as these limits differ from insured to insured and often the state minimums are too low.

Yes, unless the driver is excluded from your policy. You should contact your agent to discuss this further. Typically, a carrier will want everyone living in a household to be listed on an insurance policy. However, if you give permission to someone living outside your household to drive your vehicle, coverage will be extended to that driver in the event of an incident.