AUTO INSURANCE
Reliable coverage for the road ahead.
From daily commutes to farm-to-town trips, we shop our carriers to find auto coverage that fits your life and budget, and we explain your options in plain English.
WHAT IT TYPICALLY COVERS
The basics, explained.
Liability
Pays for injuries and property damage you cause to others in an accident.
Collision
Helps repair or replace your vehicle after a crash, whoever is at fault.
Comprehensive
Covers non-collision losses such as theft, fire, hail, and hitting a deer.
Uninsured/
Underinsured Motorist
Protects you if the other driver has no insurance or too little.
Medical Payments
Helps with medical bills for you and your passengers after an accident.
Coverage descriptions are general. Actual coverage depends on your policy and carrier.
WHAT PEOPLE OFTEN MISS
Worth asking
about before you
need it
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​State minimums may not be enough.
Both Illinois and Iowa require liability coverage, but a serious accident can exceed the minimum limits. We’ll help you compare higher limits
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Gap coverage.
If you owe more on a financed or leased vehicle than it’s worth, gap coverage may cover the difference after a total loss.
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Rental reimbursement and roadside assistance.
Often inexpensive add-ons that help when your vehicle is in the shop or you’re stranded.
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Deer and hail.
These typically fall under comprehensive, not collision. Make sure you have it, especially in our area.
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Business or rideshare use.
A personal policy may not cover a vehicle used for work or driving for pay. Tell us how you use it.
WHO IT'S FOR
Coverage for every kind of driver
Families & Teen
Drivers
We’ll help you add new drivers and ask about discounts that may be available
Commuters
Crossing the river for work? We write in both Illinois and Iowa.
Pickups &
Farm Vehicles
Trucks and equipment that work as hard as you do need a closer look.
Classic &
Recreational
Collector cars, ATVs, and RVs may need their own coverage.
HOW IT WORKS
Simple from first call to claim
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Tell us about your
vehicles.
A quick call or the online
form.
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We shop our
carriers.
We compare options for
you.
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We explain your
options.
Coverage, deductibles, and price, in plain English.
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We're here for
claims.
Call us and we’ll help you get started.
COMMON QUESTIONS
Good to know
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How much liability coverage do I need?
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It depends on your assets and how much risk you’re comfortable with. We’ll talk through your situation and show you options.
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What should I do after an accident?
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If it’s safe, check that everyone is okay, call emergency services if needed, and exchange information. Take photos, then call us so we can help you start your claim.
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What affects my rate?
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Typically your driving record, the vehicle, where it’s parked, how much you drive, your age, your coverages and deductibles, and sometimes your credit-based insurance score, depending on the carrier and state.
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Ready to talk about your vehicles?