Auto Insurance

Illinois auto insurance

Whether you are a new driver or a veteran of the road, getting the right auto insurance is much easier when you have an independent insurance agent to guide you along the way. In Illinois, Eddie Funches Insurance Agency offers you the experience you need and expect from your insurance agent.

State-mandated coverage

In Illinois, you must carry auto liability insurance. The required amount is 25/50/20. $25,000 in compensation for the first injured person with $50,000 for all injuries and $20,000 in damaged property coverage.

The state of Illinois uses an electronic insurance verification system, and if you are discovered not to comply, you could face some severe consequences. You can have your registration suspended. You will need to get insurance and pay a specified amount to reregister the vehicle if it happens. If you are stopped for a traffic violation, the fine will be $500 for not having insurance.

Optional coverage to consider

Not everyone will be satisfied with having just liability coverage on their vehicle. Protecting your vehicle is also essential.

• Collision- When your vehicle is damaged in an accident where you are the at-fault driver, it is essential to make sure that you can afford to repair or replace it. It also covers you for a one-driver accident and hit and run damage.
• Comprehensive- The world is dangerous, and many things can happen to your vehicle over which you have no control. Whether it is a weather event like strong winds, hail or flooding, theft, and vandalism, you want to be able to get your vehicle repaired or replaced.
• Gap coverage- If you have a new car, you realize that it loses value as soon as you drive it out of the showroom. Your loan can end up being higher than your value. Gap insurance covers the gap.

Talk to the experts

When you are ready to discuss your auto insurance needs in Illinois, Eddie Funches Insurance Agency is here to provide the guidance that you need.