Quad Cities Car Insurance

Your Complete Guide to Quad Cities, IL Car Insurance

How to find a local adviser.

Quad Cities, IL is made up of five separate towns. This region is known for its pizza and local food concoctions. Quad Cities is unique and lively, bursting with shopping and tourism.

When you own a car in this vibrant town, you'll want proper coverage. An independent insurance agent can help with policy options and pricing. Connect with a local expert to get started on your search for a reliable policy.

Different Ways to Cut Costs on Your Quad Cities, IL Car Insurance

Insurance companies rate your auto policy off of a variety of items. Some you'll have control over and they can be improved for a better premium. If you want to maximize your results, consult with an adviser. Check out rating factors the insurance companies use below:

  • Your claims history
  • Policy discounts that may apply 
  • The coverages you choose
  • Your insurance score
  • Catastrophes reported 
  • Local crime rates 
  • Your driving record

Your car insurance is personalized to you, which means your costs are unique. One area that affects your rates, and you won't be able to change, and is local crime. Let's take a peek at the theft rates per 100,000 people:

  • National average: 228.90
  • Illinois average: 153.80

If you want an instant reduction in premiums, consider bundling. When you bundle your auto and home insurance with the same carrier, you'll save big time. Companies will discount your coverage an additional 30% or more. Speak with a Quad Cities independent agent for more cost-saving techniques. 

How Optional Auto Coverage Works in Quad Cities, IL

Your personal auto policy will come with liability insurance, and that's where it ends. If you want other coverages for your vehicles, you'll need to add it. An independent agent can help you determine which limits make sense. In the meantime, check out some options:

  • Gap coverage: Pays for the difference between your remaining loan balance and the market value when a total loss occurs.
  • Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
  • 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.
  • Collision coverage: Pays for property damage to your car in the event of a crash.
  • Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
  • Comprehensive coverage: Will pay for property damage to your vehicle if it hits an unavoidable obstruction or is involved in a non-collision event such as a fire, hailstorm, or vandalism.

If you don't want a liability-only policy, you'll need to decide what coverages you do want. Whether you drive an SUV or an RV, your insurance needs to be sufficient. Contact a Quad Cities independent agent for review.

Why Minimum Limits May Be Too Low in Quad Cities, IL

When you use the roadways in Quad Cities, IL, you're required to carry insurance. Similar to worker's compensation, car coverage is mandatory. Check out the required auto insurance for Quad Cities, IL:

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

If an accident occurs and wipes out your minimum limits, you'll be responsible for the remainder. To avoid paying out of pocket, consider higher limits. Connect with a Quad Cities independent agent for coverage options. 

If You Drive for Uber, You May Not Have Coverage in Quad Cities, IL

Your auto policy won't extend coverage for rideshare or for-hire livery services. When you use a personal vehicle to drive for Uber, you are operating as a business. For business exposures, you'll need different coverage altogether. 

Commercial vehicle insurance is a type of policy that will cover your risks as an operator. When you are transporting people, parcels, or food, for a fee, you are considered a business. Discuss your commercial insurance options with a Quad Cities independent agent. 

How to Connect with a Quad Cities, IL Independent Insurance Agent

When searching for the perfect auto policy in Quad Cities, IL, an independent insurance agent can help. They work on your behalf at no cost, saving you time and money. Since an independent agent has access to multiple markets, you'll always get the best coverage and price. 

If you're tired of DIYing your auto insurance, get an adviser. You can connect with one of the 1,184 local experts on TrustedChoice. Use the find-an-agent tool to get matched in minutes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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