Fox Valley Car Insurance

Your Complete Guide to Fox Valley, IL, Car Insurance

When you're searching for the best coverage in town

Fox Valley, IL, is along the western edge of the Chicago area. It is made up of a group of suburbs that are commonly referred to as the rust belt. If your among this collection of cities, you'll have your pick of lifestyle.

When you drive through the Fox Valley, you'll want protection. An independent insurance agent can help you find coverage that lasts. Connect with a local expert to begin your search for a reliable car insurance policy.

Why Your Minimum Auto Limits May Not Be Enough in Fox Valley, IL

If you want to drive in Fox Valley, IL, you'll need to comply with state law. Illinois requires you to carry car insurance at the state minimum limits. Similar to workers' compensation insurance, your auto coverage is regulated. Check out the required auto insurance for Fox Valley, IL:

  • A minimum liability of $25,000 per person/ $50,000 per accident/ $20,000 property damage.  

If a claim exceeds your liability limits, you'll be responsible for any additional expense. A local adviser can go over your coverage to make sure your insurance is sufficient. Talk with a Fox Valley independent agent for review.

Why You Might Want Optional Coverages in Fox Valley, IL

Your primary auto policy won't have coverage for vehicles or any perks. If you want more than liability-only, you'll need to add it. An independent agent can help. In the meantime, check out some options:

  • Uninsured/underinsured motorists or UM/UIM: This coverage will pay for your expenses arising from an accident with an uninsured at-fault driver. Nationally, there are 13.0% uninsured drivers and 13.7% in Illinois.
  • Gap coverage: This pays for the difference in your remaining loan balance and the market value when a total loss occurs.
  • Tow coverage: This will pay for a tow truck to tow a covered auto due to a loss.
  • Collision coverage: This pays for property damage to your car in the event of a crash.
  • Rental car coverage: This will provide reimbursement for a rental car when your covered auto is damaged. 
  • Comprehensive coverage: This will pay for property damage to your vehicle that is hit by an unavoidable object.

Another coverage you can discuss with an adviser is umbrella insurance. An umbrella policy will provide coverage for a more substantial loss. It will apply when your underlying limits have been exhausted. Contact a Fox Valley independent agent for details.

Why You May Not Have Coverage When You Drive for Uber in Fox Valley, IL

Personal auto insurance excludes coverage for rideshare or livery-for-hire services. This means if you drive for Uber or Lyft, you're likely without insurance. Fortunately, an independent agent knows what to do. 

A commercial auto policy is needed to have adequate protection for your business exposures. Since you're delivering people or parcels, your operation will have risks that personal insurance can't handle. Speak with a Fox Valley independent agent on all your commercial insurance needs. 

How to Cut Costs on Your Fox Valley, IL, Auto Policy

Insurance companies use several factors when figuring your costs. They will look at personal data and history to set premiums. Check out rating factors the carriers use below:

  • The coverages you choose
  • Policy discounts that may apply 
  • Your claims history
  • Your insurance score
  • Catastrophes reported 
  • Local crime rates 
  • Your motor vehicle record (MVR)

While you'll be able to improve some areas for better rates, others you will not. Local crime is one item you can't change and will have an impact on your pricing. Let's take a peek at the theft rates per 100,000 people:

  • National average: 228.9
  • Illinois average: 153.8

Another way to save is by bundling. When you bundle your auto and home insurance, you'll qualify for a considerable discount. Carriers award 30% off or more on coverage. Connect with a Fox Valley independent agent for additional ways to reduce premiums.

How to Connect with a Fox Valley, IL, Independent Agent

When you're looking for the best car coverage at an affordable rate, contact an independent insurance agent. They have access to several markets, giving you options. Since they do the shopping, you'll save time and resources. 

Instead of trying to figure it out on your own, use a professional. To get started, you can connect with one of the local experts in Illinois. TrustedChoice.com has a find-an-agent tool that will get you matched in minutes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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