815-904-6326
815-904-6326
Under state insurance law, the Illinois government requires drivers to carry liability insurance for any vehicle registered in the state. However, if you have been involved in an accident before, you should know that liability alone is not enough to protect you, especially in accidents where multiple cars are involved. If you’re a new driver looking to buy auto insurance in Illinois, WSM insurance Agency Inc. recommends learning everything about auto insurance before settling on a policy. This article will help you understand what auto insurance is all about, who is covered, and the primary coverages.
Auto insurance is a type of automobile policy designed to protect you against financial loss in case of an accident or theft. You will be expected to pay premiums every six months or annually based on what you choose. Your insurer sends a notification when it’s time to renew your policy, and some provide discounts to drivers who pay on time.
Auto insurance comes with many coverages to protect you and other road users. While most coverages are optional, most of them are necessary for ensuring you are financially responsible in case of an incident. They are priced individually to allow you to customize them based on the amounts you need. Coverages include:
Your policy covers you and your family members unless they have their own policies. The policy also covers non-members, not in your policy but those who drive your car with your consent. It protects you every time you use your car to buy groceries, commute to work, take a trip, and other errands.
Auto insurance doesn't have to be complicated. You need the right people to give you the right information to make an informed decision. At WSM insurance, we can help you find a policy that meets all your auto insurance needs. Call us today or try our online rating tool.
WSM Insurance Agency Inc is licensed in Illinois and Wisconsin
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