Auto Insurance

Auto Insurance protects you against financial loss in case you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Get the right auto insurance
How It Works

Auto Insurance helps you to recover from damage, injuries and expenses related to a collision or other automobile incident. Auto Insurance was design to keep you from suffering major financial expenses due to an accident, whether it’s your fault or not.

How To Choose Auto Insurance

We know that choosing the right Auto Insurance is a hard process. For that reason here at Insurmex we find the best option for your budget.

  • We compare the top carriers in your area.
  • We explain every coverage, and how it can benefit you.
  • We give you top 3 choices to help you make a final decision.
Choosing Auto Insurance

WE WILL HELP YOU FIND THE BEST
Request a call to find out how much you can be saving on your Auto Insurance, No Strings Attached.

WE WILL HELP YOU FIND THE BEST
Request a call to find out how much you can be saving on your Auto Insurance, No Strings Attached.

Safe driving with auto Insurance

Auto Insurance Coverage

Since each state has it’s own specific law on the types and amount of insurance you’re required to have, our agents can help you better understand your state’s insurance requirements. Since sometimes the minimums may not be enough to better protect you. We have other options to give you that peace of mind you deserve.

LIABILITY COVERAGE

Liability coverage is made up of two components, bodily injury and property damage liability. It is what protects you if you are at fault for an accident and hurt someone or someone’s property. It also does not cover your injuries or damages to your automobile.

MINIMUM COVERAGE REQUIREMENTS
Coverage TypeAmount Required
Bodily Injury Liability$25,000 per person/ $50,000 per accident
Property Damage Liability$20,000 per person
Uninsured Motorist Bodily Injury Liability$25,000 per person/ $50,000 per accident

Requirements based in IL.

COLLISION COVERAGE

Collision coverage will typically pay to fix or replace your car incase it is damaged or destroyed in a car accident. Covered accidents include hitting another car or a stationary object like a tree or a bridge. That is after you pay your deductible.

COMPREHENSIVE COVERAGE

Comprehensive coverage, pays for damage in your automobile caused by an event other than a collision, such as a fire, hitting or being hit by an animal, vandalism or theft.

MEDICAL PAYMENT COVERAGE

Medical coverages pays for medical cost after you are involve in any accidents that would need medical attention. No matter who is at fault medical payments coverage will help you pay any funeral expenses, or injures.

PROPERTY COVERAGE

Any property damage (public or private) that belongs to another party will be covered. Your personal property is not covered under the liability coverage.

BODILY INJURY

When other people are injured in a collision with your vehicle, including unrelated passengers inside your vehicle, their medical expenses are covered by this component of liability coverage.

UNINSURED/ UNDERINSURED MOTORIST COVERAGE

Uninsured motorist coverage help you if you are in an accident with an at-fault driver who has no insurance policy or has a policy with liability limits that can not help you covered your loss.

How To Lower Your Auto Insurance Premium Rates

Aside from the existing features on the automobile at the time of manufacture, there are ways to lower the annual insurance premium by considering each of the following options and auto insurance discounts:

  1. Multi-Car Discounts – When more than one car must be insured, the agent can recommend the best way to list each vehicle on a policy. Specifics on how each vehicle is used will affect the vehicles’ rates.
  2. Multiple Policy Discounts – Home, car, and life insurance policies that are carried by the same insurance company may be given a discount on each policy.
  3. Limited Drivers – Limit the teenager’s driving to a less-expensive car to avoid high premiums. The experienced insurance agent may make additional recommendations.
  4. Liability-Only Coverage – Older cars that are not worth replacing can be driven under a liability-only policy. The cost to repair some cars would be higher than the value of the car so liability-only coverage may be prudent.
  5. Low-Mileage Discount – Cars that are rarely driven are less expensive to insure because the risk of loss is lower. Usage information must be provided to the agent to leverage this discount.
  6. Increase Deductible – If a higher deductible is affordable within the household budget, raise the deductible paid on each claim. Consider the deductible on the home insurance policy in addition to the automobile deductibles since multiple losses could occur.
  7. Maintain Good Credit – Insurance companies run credit reports when calculating the annual insurance premium, and people with healthy credit scores are rewarded by insurance companies.
  8. Clean Driving Record – All moving violations will increase the annual insurance premium. Speeding and other dangerous driving habits raise the risk of loss for the insurance company.

It’s quick and easy to get a car insurance quote schedule your appointment and start saving.

Men pointing to the right 1 - Auto-Insurance-Quote
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ZV9jcmVhdGVkIjoiMjAxOC0wMi0xOSAyMjoxMzo0NCIsImltZ19wcmV2aWV3X3VybCI6Imh0dHBzOlwvXC9zdXBzeXN0aWMtNDJkNy5reGNkbi5jb21cL19hc3NldHNcL2Zvcm1zXC9pbWdcL3ByZXZpZXdcL3NpbXBsZS13aGl0ZS5wbmciLCJ2aWV3X2lkIjoiMTVfOTUxMjkiLCJ2aWV3X2h0bWxfaWQiOiJjc3BGb3JtU2hlbGxfMTVfOTUxMjkiLCJjb25uZWN0X2hhc2giOiI1ODIyMDRjYzYwNWM0MDViNjM0NWJjNGY5ZDEzZTg1OSJ9

Local Office In Aurora IL, But Service All Chicago IL And Suburban Areas!


ABOUT US

We help people find the best insurance plan for Health, Life, Home and Auto Insurance. We only contract with America's Top Rated carriers.

LICENSED: IL, TX, MI, NM, SC, AR

LATEST'S POSTS

What is Short-Term Insurance?

904 80x80 - What is Short-Term Insurance?

Short-term insurance is health coverage that is now available for 12 months. If you do not have prior health conditions this is a cheaper option!

CONTACT US

(866)-606-7772 - Toll Free
(331) 444-2831 - Local
info@insurmex.com

Agente De Seguros

314 E Downer PL
Aurora IL, 60505
Directions

ABOUT US

We help people find the best insurance plan for Health, Life, Home and Auto Insurance. We only contract with America's Top Rated carriers.

LICENSED: IL, TX, NM, MI, SC, AR

CONTACT US

(866)-606-7772 - Toll Free
(331) 444-2831 - Local
info@insurmex.com
Chicago, IL, 60601

Directions

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