Auto Insurance

Protect yourself and others on the road.

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What is Auto Insurance?

Protects You On the Road

Auto insurance protects many types of vehicles and drivers on the road from physical or bodily harm.

Required In Almost All States

Each state's minimum requirements vary, which is why it's helpful to work with a professional when shopping around.

Customize Your Coverages

We can help you find auto coverage that meets your states requirements and your personal needs.

Customizable Coverages

Required

Liability

Uninsured Motorist Bodily Injury Coverage (UM)

Underinsured Motorist Bodily Injury Insurance (UIM)

May be Required

Dependent on state

Comprehensive

Collision

Optional

Accidental Death Benefit

Custom/Non-Factory Equipment

Gap Coverage for Leased or Financed Vehicles

Medical Payments

Physical Damage/Repair/Coverage

Rental Reimbursement

Towing

Uninsured Motorist Property Damage (UMPD)

Factors That Can Potentially

Impact Your Rate

Age

Age can impact how much you pay. Older and more experienced drivers often pay less while younger drivers tend to have higher premiums.

Coverage Limits

Your auto insurance rates depend on the amount of coverage you elect. Most states have minimum requirements drivers must meet or exceed.

Credit History

Credit history can also impact your rate. Drivers with better credit may pay less while drivers with poor credit may pay more.

Driving Record

Drivers who have prior accidents, traffic tickets, or moving violations often appear riskier to auto insurers. A clean driving record can help get you a lower rate.

Use of Vehicle

Your type of vehicle, what you use it for, and how many miles you drive can impact your premium cost. Each company weighs these factors differently which is why comparison shopping can be helpful.

Location

Where you live and drive factors into calculating your premium. If you live in an urban area with heavier traffic and higher crime rates, you may pay more than someone who lives in a rural area with less traffic and lower crime rates.

See Your Rate

What is the Illinois Insurance Verification System?

Illinois Secretary of State Jesse White announced upgrades to Illinois Insurance Verification System (ILIVS), that began on July 1, 2021. Vehicle owners' car insurance will also continue to be electronically verified at least twice a year at random intervals.

All drivers in the state of Illinois have to have active/verified car insurance as it is a passed law.

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Is There an Insurance For a Risky Driver?

Yes there is. We do offer SR-22 insurance which is an auto insurance document that proves a person has met the minimum required liability coverage.

It's required by state or court order for risky drivers, and is filed with the Secretary of State by your insurance company on your behalf.

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When You Work With Us

Professional Insurance Guidance

Our licensed agents are relentless in finding the best affordable options for you or your business.

Backed by years of industry experience, we help make buying insurance easy, fast, and simple.

Discount and

Savings

We'll make sure you get every discount for which you qualify. Common car insurance discounts include:

Multi-car
Anti-theft
Good student
Defensive driving
Homeowners
And many more!

Policy Options to Explore

Some insurance carriers offer optional coverages. Common policy options include:

Towing
Rental reimbursement
GAP coverage
Roadside assistance
And more

Our licensed insurance agents will discuss available options and discounts during your auto quote.

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Auto Insurance FAQ

Do I need auto Insurance?

Auto insurance is legally required in almost every state. The coverage types and minimums vary, but almost all states require liability coverage for property damage and bodily injury.

Can you help find car insurance near me?

We shop and quote for residents of Arkansas, Illinois, Indiana, Iowa, Kansas, and Missouri.

How does your SR-22 work?

SR-22, sometimes called a Certificate of Financial Responsibility (CFR), is an insurance document required by state or court order for some drivers. It is not actually insurance. It is a form your insurance company files with the Secretary of State on your behalf. An SR-22 you have met the minimum liability coverage required, and we can happily help you do that!

If you want to learn more click here!

What happens when I purchase a policy?

We'd be happy to help you shop for auto coverage. Give one of our licensed agents a call at 1-844-358-5605 today or start your quote online to see what options may be available.

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Protecting Customers Since 1980

Read what customers are saying about our service.

Crystal Thomas was AMAZING… She came in and gave me a quote that had me speechless. Glad I stayed with this company!!!

Chloe G.

I spoke with Crystal Thomas today and I was very very pleased with the service she provided. She needs a raise at this point. Loved the experience and went above and beyond to help with further questions that had nothing to do with the point of the call.

Jerri B.

The service was top tier. Nick was very helpful and informative. Wish everyone had great customers service like he did. Thank you again

Jacobi D.

Nick was so helpful. I needed an extra day to complete everything and Nick gave me his direct line and kept me paperwork @ his desk so I could keep dealing with him until the end. He made my first time experience with First Chicago excellent!! Thanks Nick and First Chicago!! 😁😁

Angela S.

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