Essential Tips for Buying Auto Insurance

Auto Insurance Sidney Illinois

Having auto Insurance in Sidney Illinois is a legal requirement for all drivers. There is a difference between the level of cover the law says that you must have and the actual coverage you should be carrying.

Upgrade Minimum Coverage

In Illinois, drivers are required to carry basic liability insurance. The minimum standards are $20,000 per person bodily injury, $40,000 for a total claim, and $15,000 in property damage. In the event of a serious accident, costs can quickly escalate beyond what your minimum coverage provides for, and you may still be held responsible for damages. It is always wise to upgrade your coverage beyond the minimum requirements, and be ready to avoid lawsuits.

Add Comprehensive and Collision

Liability only protects the other driver. Collision and comprehensive insurance covers your expenses. Protecting against your own losses due to an accident, theft or weather damage is especially important if you still owe money on your vehicle. Even if your vehicle is no longer drivable, you are still responsible for the payment of the loan. Be prepared to face a total loss situation.

Include Additional Insurance features

Gap insurance is for those who owe more than their vehicles are worth. Claims are paid based on the market value of the vehicle. Without gap insurance, you may still have a sizable debt left over. Some insurance policies include extra coverage to help you with expenses while you recover from an accident. Rental car benefits are also available. Make sure you ask your agent about additional features that may be helpful.

Even though basic liability auto insurance in Sidney Illinois is a requirement, the additional levels of coverage are still a good idea. Be prepared for the unthinkable, and protect yourself against unnecessary costs.

 

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