Auto Insurance
Quality Auto Insurance for Any Accident in Lincoln IL
You’ve probably filed at least one auto insurance claim in your life, even if it was a minor one. The average driver has three to four accidents in his or her lifetime, according to the auto insurance industry. That is not to say that every accident is severe enough to be life-threatening. The majority of these claims are for minor parking lot scrapes or unlikely encounters with immovable objects. Minor accidents, on the other hand, can cost thousands of dollars in repairs, and major accidents can severely hurt you financially due to medical expenses. Lincoln Logan/May Enterprise will collaborate with you and several top-rated carriers to determine which insurance plan best meets your needs, as well as the premiums and deductibles you want.
Choices for Auto Insurance
What Are My Options for Auto Insurance?
Everyone wants to save money on auto insurance, but the cheapest premium isn’t always the best choice. You must consider how the premium costs and different coverage options will affect or benefit you. Here are some of the auto insurance coverage options available to you:
Liability
Insurance
Covers bodily injury and property damage to others
Collision
Insurance
Covers physical damage to your vehicle caused by accidents
Medical
Payment Coverage
Covers medical coverage for you and your passengers
Comprehensive
Coverage
Covers physical damage to your vehicle caused by theft, vandalism, hail, and falling objects
Uninsured/Underinsured Motorist Coverage
Covers medical expenses, pain, suffering and loss of wages for you if you’re in an accident with someone that has little to no coverage
Additional
Coverage Options
Enhance standard policies with coverage for towing and labor, car rental loan/lease coverage and more
Choices for Auto Insurance
What Are My Options for Auto Insurance?
Everyone wants to save money on auto insurance, but the cheapest premium isn’t always the best choice. You must consider how the premium costs and different coverage options will affect or benefit you. Here are some of the auto insurance coverage options available to you:
Liability Insurance
Covers bodily injury and property damage to others
Collision Insurance
Covers physical damage to your vehicle caused by accidents
Medical Payment Coverage
Covers medical coverage for you and your passengers
Comprehensive Coverage
Covers physical damage to your vehicle caused by theft, vandalism, hail, and falling objects
Uninsured/Underinsured Motorist Coverage
Covers medical expenses, pain, suffering and loss of wages for you if you’re in an accident with someone that has little to no coverage
Additional
Coverage Options
Enhance standard policies with coverage for towing and labor, car rental loan/lease coverage and more
Full Coverage Car Insurance
Full coverage insurance protects your vehicle from damage in a variety of situations. There are two types of full coverage insurance to consider: collision and comprehensive. Collision insurance covers any damage to your vehicle caused by another vehicle, colliding with an animal or object, or driving off the road. Comprehensive insurance is intended to cover damage caused by uncontrollable and unpreventable occurrences such as weather, fire, or theft. You don’t want to be left to deal with the damage yourself in these circumstances. You need proper support to help restore your vehicle and ensure it is once again safe for the roads.
Liability Auto Insurance
Liability coverage is a type of insurance that covers any damage you may have caused to others while driving or because of an accident. This type of coverage will pay for medical costs up to a certain amount, depending on the state you live in, and is generally recommended for drivers who have previously been in accidents before. Almost every state requires liability coverage on all vehicles, especially if you have a track record for past accidents. Liability coverage is designed to protect you and investing in it will grant you many benefits if you ever find yourself in a stressful situation involving damage caused by your vehicle. If you hurt someone in an accident, you’ll want them to receive proper medical care.
Common Ground Rules For Teens
Teenage Drivers
Obtaining a driver’s license is a significant achievement for a teenager. As a parent, you’re probably wondering what that means for your insurance. Because new drivers have little experience on the road, having them insured may be expensive at first. Don’t be concerned! Lincoln Logan/May Enterprise is committed to finding you the best rates, even for new drivers. Here are some ground rules you can establish with your teen to ensure they drive responsibly while also lowering their rates:
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Enforce A Curfew
Driving when it’s dark can present more risks for any driver. Establishing a driving curfew can help avoid any accidents your teen may have from driving at night.
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Consequences of Speeding
Teach your teen driver the consequences of speeding. Driving over the speed limit can be responsible for fatal crashes, costly fines, and revoked privileges of driving.
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Talk About Drinking & Driving
Make sure your teen understands that driving under the influence of drugs or alcohol can be a fatal mistake. Encourage your teen to call you for a ride no matter when and where.
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Wearing A Seatbelt
Stress the importance of wearing seatbelts while driving. Teaching your teen to buckle up when they drive can save their life and save money on paying a fine.
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Limit the Number of Passengers
Limiting the number of passengers can help your teen driver avoid excess distractions. As your teen gets more comfortable driving, consider increasing the number.
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Use of Mobile Phone While Driving
Ensure your teen understands using the phone while driving is one of the top reasons teens get into car accidents. Set limits on cell phone usage in the car to avoid these situations.
SR-22
The Illinois Department of Motor Vehicles requires an SR-22 form to be filed following an uninsured accident or a traffic offense conviction. When you submit this form, the state imposes mandatory insurance on your driver’s license. Without an SR-22, you could be without an official driver’s license, face fines or arrest from police, and be subjected to increased scrutiny by the state government, or your vehicle could be towed, and you could face costly fines. An SR-22 filing is intended for drivers with a complicated driving history. Our insurance agents at Lincoln Logan/May Enterprise understand that driving records are never perfect, so let us give you peace of mind by filing an SR-22 for you! In many cases, driver’s licenses are suspended because the drivers were caught driving without insurance or with expired license plates, have several traffic violations, a DUI or DWI conviction, or have an excessive number of points on their driving records. Then, by law, they must have an SR-22 filing. The state of Illinois requires this. We understand that every situation is unique, so if you have any questions about whether you need an SR-22, contact the secretary of state and then call us for a quote.
How is My Insurance Priced?
Your car insurance is unique to you, as there are many factors that determine the specifics of your individual plan. We will consider your personal needs and tailor your plan to you. These are a few factors our agents at Lincoln Logan/May Enterprise will take into consideration when customizing your insurance package:
Your age can play a role in determining what insurance rate you’ll be given. Expect a significant difference if you are a teenage driver or have 15+ years of driving experience.
Where you live can also impact your insurance. Even moving into a nearby town can affect your rate. For questions on which rate you fall into in Lincoln, IL, contact our experts at Lincoln Logan/May Enterprise.
The status of your marriage can have an impact on your car insurance rate. Generally, married couples can get lower car insurance rates than those who consider themselves single.
Your driving history will always be factored into your insurance rate. The more tickets you have, the more it will affect your monthly rates. Even if you have paid for your tickets and are up to date on what you owe, those tickets will still show up when the insurance company runs your vehicle record. This is why it is important to always practice safe driving, so your record doesn’t work against you and jack up your rates.
