Auto Insurance

Illinois Auto Insurance Made Easy

Our staff at Miller Insurance knows how hard understanding auto insurance can often be. We understand that the better educated our client is about their insurance; the better they will be in the long run. Give our agency a call today to discuss your auto insurance with one of our friendly and knowledgeable agents. We can tailor a policy for your needs and budget from dozens of carriers. Saving money is only a phone call away; call us today at 800-732-2561.

Below are some of the typical coverages you will find on a typical Illinois auto insurance policy:

Liability Auto Insurance covers your legal liability for things such as bodily injury. Liability limits are listed on the policy in this fashion 100/300; meaning that your policy will cover your legal liability up to $100,000 per person and $300,000 aggregate (total). Most states such as Illinois require each driver to carry at least 20/40 limits or $20,000 per person and $40,000 aggregate.

Comprehensive Auto Insurance - Comprehensive coverage covers you for act of god claims in which you cannot avoid. The most common comprehensive claim is a glass claim where a windshield is cracked or chipped. Comprehensive car insurance also applies to perils such as fire, wind, theft flood and vandalism. Comprehensive coverage also provides coverage for damages from colliding with an animal.

Collision Auto Insurance - If your auto insurance policy has collision coverage, your auto insurance company will pay for damages resulting from an accident with another vehicle or object. Collision coverage requires a deductible to be met before the insurance company will cover the remaining bill for repairs.

Rental Reimbursement - Rental reimbursement is an optional coverage which the insured can purchase which will provide a rental car for up to the purchased limit, most often 30 days in the event of a covered peril. Rental reimbursement is intended to provide the insured the needed means of transportation while his or her vehicle is in the repair shop being fixed.

Remember, when it comes to auto insurance the deductible amount is the amount you need to pay in the event of a claim.

Transportation Expense Coverage - Transportation expense coverage provides coverage for roadside assistance claims such as towing. If an insured has purchased this coverage and has a towing bill, most often the insurance company will reimburse the insured up to the value stated on the policy, i.e. $75. Miller Insurance offers AAA Insurance and roadside assistance which specializes in roadside assistance.

This covers most of the common coverages found on an auto insurance policy. Give Miller Insurance Agency a call today at (800)-732-2561 or stop into either of our offices in Colfax, Illinois or Bloomington, Illinois to talk about your Illinois auto insurance.
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