Auto Insurance in Deerfield, IL
Auto insurance is essential for every driver. At Joan Polec Insurance, our team is dedicated to helping drivers navigate their coverage options, meet state requirements and protect their finances on the road.
Understanding Auto Insurance Coverage Options
Standard auto insurance policies typically offer the following:
- Collision coverage can help pay for your car repairs if you’re involved in an accident, regardless of fault.
- Comprehensive coverage can cover your vehicle’s repair costs if it’s damaged by a non-collision event, such as natural disasters, theft, vandalism or fire.
- Liability coverage can cover expenses related to causing bodily injuries or property damage to a third party.
- Medical payments (MedPay) coverage can cover you and your passengers’ medical expenses following an accident, even if you’re not at fault.
- Uninsured/underinsured motorist coverage can cover your losses if you’re involved in an accident with an at-fault motorist who doesn’t have enough liability coverage.
Is It Required?
In general, Illinois drivers are required by law to carry minimum amounts of liability coverage. Lenders may also ask for comprehensive and collision coverage if you loan or lease your vehicle.
What Factors Affect My Premiums?
Insurers may consider the following when calculating your rate:
- Location: You may have to pay higher premiums if you live in a densely populated or high-risk area.
- Age: More experienced drivers may be charged lower rates compared to younger drivers.
- Drivingrecord: Accidents and traffic violations can increase your premiums.
- Vehicle characteristics: Newer and more advanced models are typically more expensive to insure.
- Deductible: A higher deductible can lower your premiums.
- Coverage selections: Having additional riders can increase your coverage and your premiums.
Where Can I Purchase a Policy?
Contact Joan Polec Insurance today to learn more about auto insurance or request a personalized, no-obligation quote.