North Shore Car Insurance

Your Complete Guide to North Shore, IL, Car Insurance

When you need a local expert

North Shore, IL, is a territory made up of several communities. These prestigious cities are in the top 5% when it comes to high living. Famous for its Ravinia Festival, North Shore is a quality place to live. 

When you drive a car on these pristine streets, you'll need coverage. An independent insurance agent will help find a policy for an affordable price. Connect with a local adviser in minutes to find a policy that's right for you. 

Optional Car Insurance in North Shore, IL 

Your auto insurance will include liability coverage, and that's about it. If you need your vehicles protected and more, you'll have to add it. Fortunately, an independent agent can help. In the meantime, check out some options:

  • 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.
  • 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.

Whether you live like the top 1% and drive a fancy sports car, or you cruise an RV, you'll need coverage. A trusted adviser can show you which policy is right for your situation. Contact a North Shore independent agent for review.  

Are Your North Shore, IL, Minimum Liability Limits Enough?

Most states require minimum limits to drive. North Shore, IL, is no different. Like workers' compensation insurance, auto coverage is mandated. Check out the required auto insurance for North Shore, IL:

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

When you're in an accident, state minimum limits are barely enough to cover a loss. To ensure you're fully protected, seek a professional. A North Shore independent agent can review your coverage for free.

Ways to Save Big on Your North Shore, IL, Auto Policy

Carriers use a variety of factors when determining your premiums. Some you'll have control over, while others are outside of your reach. An independent agent can help with discounts and ways to save. Check out rating factors the insurance companies use below:

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

The carriers use personal data to set your costs. While you might be able to improve some items, there are others you can't change. One area you won't have control over is a local crime. Let's take a peek at the theft rates per 100,000 people:

  • National average: 228.90
  • Illinois average: 153.80

When you want to save instantly, consider bundling your auto and home insurance. If you put all your policies with the same carrier, you'll get a 30% or more discount on coverage. Contact a North Shore independent agent for more techniques. 

If You Drive for Uber in North Shore, IL, You May Not Have Coverage

If you're using a personal vehicle to drive for Uber or Lyft, you may not have coverage. Personal auto policies exclude rideshare and livery for hire services. Since these side hustles are considered a business, you'll need different insurance. 

A commercial auto policy will protect your interests as the operator, as well as your passengers. When you run a business, you'll need coverage for your exposures. Speak with a North Shore independent agent on your commercial policies today.

Why You Need an Independent Insurance Agent in North Shore, IL

If you're searching for the perfect auto policy, an independent insurance agent can help. They work on your behalf at no cost to you, saving you time and premium. When you need a policy that doesn't break the bank, contact a professional. 

An independent agent has access to multiple carriers, so you'll always get a good deal. Connect with one of the local experts on TrustedChoice.com. Use the find-an-agent tool to get matched with an adviser fast. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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