Personal Insurance
Personal Auto Insurance for Your Vehicle
Personal auto insurance provides vehicle coverage when accidents occur. The policy protects personal assets by funding vehicle repairs, medical expenses, and liability charges.
Get a QuoteCoverage Overview
What is Personal Auto Insurance?
Always drive protected with personal auto insurance. Accidents can happen unexpectedly, making vehicle coverage essential regardless of location or driving habits.
Personal auto insurance provides vehicle coverage when accidents occur. The policy protects personal assets by funding vehicle repairs, medical expenses, and liability charges when you're found responsible for an accident.
Coverage includes:
- Liability lawsuits
- Damaged property repairs
- Medical expenses
- Rental car replacement
- Windshield repair
- Towing
- Roadside assistance
Primary Coverage Types
Bodily Injury Liability
Covers injuries to other people and damage to others' property when you are in an at-fault accident.
Medical Payments
Pays medical expenses for you and your passengers regardless of who's at fault in an accident.
Property Damage Liability
Covers damage you may cause to someone else's property in an accident.
Collision Coverage
Pays for damage to your vehicle in the event of an at-fault accident.
Comprehensive Coverage
Pays for damage to your vehicle due to theft or damage caused by something other than a collision.
Uninsured/Underinsured Motorists
Offers you protection if you are involved in a not-at-fault accident with someone who has no insurance or insufficient coverage.
Optional Coverages
Key Benefits
Cover Liability Charges
Cover liability charges, repair costs, medical expenses, and more.
Meet State Requirements
Meet Illinois state insurance requirements with proper coverage.
Custom Plans
Get a custom plan that's right for you and your budget.
How to Reduce Your Auto Insurance Costs
Working with our agents to customize your coverage helps minimize expenses. Factors influencing cost include liability limits, deductibles, driving record, vehicle type, and vehicle use.
Coverage Recommendations
We recommend $300,000 as a minimum starting point for your liability and property damage coverage limits based on vehicle values in circulation today.
Most auto policies follow similar structures, but companies increasingly offer tiered options (good, better, best) including optional coverages bundled together for broader protection.
Get Auto Insurance Quote
Fill out this form for a free auto insurance quote.
Ready to Save on Auto Insurance?
Contact us today for a free quote and see how much you could save by switching to Insurance Expert Group.