Drivers in Illinois need to carry at least the state minimum in auto insurance coverage. This means you need basic liability coverage as well as uninsured motorist insurance, and it also means you have probably been inundated by advertisements for car insurance online. How should you go about choosing an insurance agent?

Many cut-rate insurance carriers focus on providing minimum coverage as well as minimal service. Rather than trust a big national chain with corporate concerns that outweigh their concern for individual customers, consider doing business with an independent, local insurance agency. Ogden Insurance is a family-owned independent agency serving Illinois, we provide insurance coverage through several top carriers, and since we don’t work for just a single carrier, we can focus on helping our customers get better value across the board.

Value in Car Insurance

Insurance rates are based on risk. This means that responsible drivers and automobile owners are more able to find affordable premiums than those that insurance companies recognize as reckless or irresponsible. One indicator of a responsible motorist is the amount of insurance coverage that individual carries. In fact, some extended-coverage options are more affordable for certain customers than available bare-bones policies.

Auto Policy Options

At Ogden Insurance, we provide a full range of auto policy options, from affordable products that only cover the legal minimums to extensive coverage that includes rental reimbursement and roadside assistance. A few of our most popular policy options are

• Collision insurance, which helps to pay for damages to your car following an auto accident
• Comprehensive insurance, which helps to pay for non-crash-related damages following a covered event
• Medical payments coverage, which pays for medical treatment of accident-related injuries
• Towing and roadside assistance, to help in the event of a breakdown or debilitating car crash

To learn more about your car insurance options, fill out the simple online request form today. To speak with one of our insurance experts, call our office during business hours. We look forward to helping you find value in car insurance.

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