Looking for Insurance On The Spot? We Can Help.

Some people wonder if it’s possible to get by without the expense of insurance. Insurance, in most cases, is legally required. Therefore, the consequences are severe if you are caught driving uninsured, especially if you cause an accident. The money you saved by not paying insurance premiums will pale in comparison to the legal and/or medical costs you’ll face in the event of driving without insurance.

Similarly, homeowners insurance is typically required, especially if you have a mortgage. The cost to repair or rebuild your home after it sustained damage could easily bankrupt many homeowners. The key message here is that you absolutely do not want to be caught without insurance. It’s also important to have enough insurance. The bare minimum level of insurance is better than nothing, but you could still end up in a bleak situation if your insurance is insufficient to cover a major claim.

Life is full of surprises. Many of them are good surprises, like finding money on the street. But some are unpleasant, like being t-boned in traffic or having a fire in your home. Insurance is there to help alleviate some of these unexpected problems. Depending on how much protection you want in the event of an incident, many different levels of insurance plans are available.

For instance, you can add Uninsured Motorist coverage to your plan, which will help cover your medical expenses in the event of an accident with an uninsured driver. You’ll also want to weigh the costs and benefits of Collision and Comprehensive coverage. Collision coverage kicks in if (you guessed it) your car is involved in a collision, while comprehensive coverage covers several other types of incidents, such as the damage your car sustains from fire, theft, vandalism, or severe weather.

All you need to get yourself insured are Internet access and some relevant personal information. For your car, you’ll need your Social Security number, several details about your car, your driving record from the last three years, and a few more tidbits of information. For homeowners insurance, you’ll be prompted to provide similar personal information and some details about your home. Once you’ve done this, the insurance company will be able to crunch the numbers and give you quotes on different types of coverage.

Want to start the quick process of implementing an insurance policy? Illinois Insurance Center works with many carriers, meaning you’ll benefit from competitive rates.