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Our Auto Insurance provides Chicagoans high-quality car insurance at the lowest possible prices. Anywhere in Chicagoland, Illinois and Indiana, we can find you a monthly payment to fit your budget. Ask about our good driver discounts for better rates on auto insurance.

Types of Auto Insurance

When shopping for car insurance, it is important to know your options beforehand so that you can choose the right type of coverage that best fits your needs. The basic kinds of auto insurance include:

Fully Comprehensive Car Insurance

  • Insures the owner of the car in all situations ranging from theft to an accident
  • No need to establish fault in order to file a claim. If the other driver causes the accident and does not have insurance, you can still have the damages covered by your own insurance company.
  • More expensive than other options

Third Party, Fire, and Theft Insurance

  • Covers many of the same situations covered under fully comprehensive car insurance, including fire and theft.
  • Covers you if you are at fault when you hit another car. However, does not cover your damages in the event of a single car accident, such as a collision with a wall or a rollover accident.
  • If you are not at fault in an accident with another car and the other driver has insufficient insurance, your insurance company is not required to pay for the damage to your vehicle.
  • More expensive than baseline options, but less expensive than fully comprehensive coverage.

Third Party Insurance

  • The most basic type and least expensive type of car insurance.
  • Only provides coverage in accidents in which you are at fault and hit a third party. In any other situation, the insurance in not required to provide coverage.
  • Best for those with cars that have little value.

Specialized Car Insurance

  • A special type of car insurance that covers “classic” cars.
  • Usually includes the same benefits as fully comprehensive auto insurance.
  • Often limited to the number of road miles you may drive each year.

Contact Us

To learn more about your car insurance options in the Chicago area, contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060 today.