Car/Auto Insurance in Wheeling, IL and surrounding areas
Keeping Drivers in Wheeling and Buffalo Grove, IL Safe
Car insurance is not a luxury item, it’s essential. Accidents and other incidents that result in damage to your vehicle or other individuals can be expensive. This is just one reason why auto insurance coverage is so important.
At the Joan Polec Insurance Agency we take auto insurance very seriously. Even though it’s a common need for many people, it is commonly misunderstood. We take pride in delivering comprehensive solutions and in helping our clients understand the details of their coverage. We make sure that each of our clients knows that his or her policy is more than average and far beyond standard, and that this above-par quality is important.
Our agents have been creating auto insurance solutions for clients for decades and know the needs of local drivers in Wheeling, Buffalo Grove, and beyond. Any of these agents are ready and happy to help you.
Coverages that protect and Services that manage Risk
Most states have standards for minimum coverage that all drivers must have in order to be legally compliant. In Illinois these standards are $25,000 for individual bodily injury reimbursement per incident and $50,000 for total bodily injury reimbursement per incident. These standards are enough to cover some injuries and damages, but are woefully inadequate for most injuries and damages.
At Joan Polec Insurance we don’t want you to gamble. We’re supposed to reduce your risks and keep you secure; if we steer you towards lower premiums just to get you to buy then we’re increasing your risks and setting you up for future financial loss. To avoid gambling, we develop thorough insurance policies that include coverages that protect you best. These coverages include:
- Liability Coverage
- Comprehensive Coverage
- Collision Coverage
- Uninsured & Underinsured Motorist Coverage
- Diminishing Deductible
- Accident Forgiveness
- Minor Violation Forgiveness
- Roadside Assistance
- Specialty Auto Insurance
- 24-Hour Customer Service
- Rental Reimbursement
- Medical Payments Coverage
We adhere to your budget but will suggest that you invest in more advanced coverages if we determine that you would benefit from the protection that these coverages provide. Our goal is to give you the greatest value, which means delivering the right coverage for the best price. We consult with you to understand your needs and then determine an optimal match between these needs and our coverages. Beyond this we give you ongoing risk management, which is essential and helps us provide you with value.
The Greatest Value and Continuous Protection
Price is important, but it’s not everything. You should get the most for your money, and sometimes this means investing in a little more advanced manner than you might expect. However, in risk versus reward, the advanced investment should pay off in big ways. The risk of financial ruin far outweighs the benefit of having a slightly lower monthly premium. The benefits of sacrificing a little money now instead of a potential fortune later far outweigh the costs.
We want you to understand your investment with us and we make sure that you do by giving you all of the information you need in the way that suits you best. As an advocate and adviser, we take pride in being transparent and clear and in being good teachers. We will enable you to make better decisions.
We provide auto insurance to drivers in Wheeling, Buffalo Grove, Northbrook, Palatine, Vernon Hills and Mount Prospect, IL.