Auto
Insurance

Frequently Asked Questions

The cost is influenced by factors such as your driving record, vehicle type, coverage limits, and location in Illinois.

Yes, discounts may be available for safe driving, multiple policies, anti-theft devices, and more.
Exchange information with other parties, file a police report, and contact your insurance provider promptly.
Home insurance covers damage to the structure, personal belongings, liability protection, and additional living expenses in certain situations.
Installing security systems, smoke detectors, and bundling with other policies may help reduce premiums.
Actual cash value reimburses for the depreciated value, while replacement cost coverage covers the cost of replacing damaged items.
Term life provides coverage for a specified term, while whole life offers coverage for the entire life and includes a cash value component.
The amount depends on factors like income, debts, and future expenses. Our agents can help you determine the right coverage.
Yes, you can typically adjust coverage and beneficiaries, but it may be subject to underwriting.
Check with the insurance provider to ensure your preferred healthcare providers are in-network.
A copayment is a fixed amount you pay for a service, while coinsurance is a percentage of the cost you share with the insurer.
Medicare typically covers hospital stays, outpatient services, and prescription drugs. Additional coverage can be obtained through supplemental plans.
Initial enrollment is usually around age 65. Special enrollment periods may apply in certain situations.
Medicare Advantage plans offer bundled coverage, while Medigap plans provide supplementary coverage to traditional Medicare.
We offer insurance solutions for various businesses, including retail, professional services, and manufacturing.
Commercial insurance is tailored to cover risks associated with businesses, including property damage, liability, and employee-related risks.
Factors include the type of business, location, number of employees, and the coverage needed.
Insurance is generally available for riders of all ages, but rates may vary based on experience and age.
Yes, additional coverage may be needed for accessories and custom parts. Please provide details for accurate coverage.
Yes, multi-bike policies are available to cover multiple motorcycles under one insurance plan.
While not mandatory, renters insurance protects your personal belongings and provides liability coverage. It’s highly recommended.
Yes, you can add endorsements or riders to your policy to cover specific high-value items.
Renters insurance covers personal belongings and liability but does not include coverage for the structure of the property, which is the landlord’s responsibility.