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The Importance of Auto Insurance

The Importance of Auto Insurance

Auto insurance is very important, especially in states that require it, and Illinois is one of those states. Under the law in Illinois, all drivers must have at least a liability insurance policy in place to legally drive on public streets and roadways. The professional and knowledgeable independent insurance agents at AFI Insurance can help you with all of the auto insurance options that are available to you. They will also shop around to garner you the best rates possible to save you time and money.

Liability Insurance

Liability is the mandatory type of coverage that will help pay for any injuries or property damage that you are determined to have caused in an accident. This type of policy will also help decrease the chance you will be sued in court to pay these types of costs associated with an accident.

Uninsured Motorist and Underinsured Motorist

If you are involved in an accident in which the other driver has no insurance or very little insurance, it can leave you stuck with all of the bills for any injuries that you suffered and for the damage to your vehicle. This type of policy will help you pay those costs.

Medical Payments

Medical payment coverage is created to protect you and your passengers and is not based on which driver is at fault in an accident. It will assist you in paying emergency room visits and health insurance deductibles and co-pays to protect you and your passengers from financial loss and stress after an accident.

Comprehensive Coverage

Comprehensive insurance coverage will help compensate you for damages that are caused in an accident that is not the result of a collision. This includes if you hit a deer and your vehicle is damaged or if your vehicle is damaged in a natural disaster, a fire, or by an act of vandalism. It will also help you replace your vehicle if it is stolen.


Collision insurance may not be required under Illinois law but if you borrowed the money to purchase your vehicle, your lender will more than likely require it. This type of coverage will pay for the costs to repair or replace your vehicle if you are involved in a collision with another vehicle.

Importance of Independent Insurance Agents

There are also other coverage options to choose from, such as roadside assistance and car rentals. These may also be important to you and your situation. An independent agent can explain all of these to you while finding you the best deals on auto insurance. Also, to decide upon the amount of your deductibles and the types of coverage options you want to have in place, you should work with an independent insurance agent since they have access to hundreds of different insurance companies. He or she will assist you in garnering the very best rates that will help you save money and your time in attempting to compare companies on your own.

To create the best auto insurance policy for you and your situation, contact the independent auto insurance agents at AFI Insurance today!

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