As a driver in Illinois, you have probably been inundated by advertisements for car insurance online. The reason for this overflowing of insurance ads is because as an operator of a vehicle in Springfield, Illinois you need to maintain at least the state minimum in auto insurance coverage. This means you would include basic liability coverage as well as uninsured motorist insurance. With all of the choices out there, how do you go about choosing the right insurance agent?

Many of the large insurance carriers concentrate on providing minimum coverage as well as inadequate service. It is hard to put your trust in a big national chain when their corporate concerns overshadow their interest for the individual customers. Instead, you should try doing business with an independent, local insurance agency. Ogden Insurance Agency, Inc. is a family-owned independent agency serving the Springfield, Illinois community, we provide insurance coverage through several top carriers, and since we do not represent just one carrier, we can concentrate on making sure our customers get genuine value across the board.

Value in Car Insurance

Insurance rates are based on risk factors such as age, location, gender and even if you are married or single as well as ticket and accident history. While some of these factors you cannot control there are some such as the way you drive that is in your control. Being a responsible driver and automobile owner offers more affordable premiums than those that insurance companies recognize as reckless or irresponsible such a young driver or someone with an extensive history of speeding tickets. A major indicator of a responsible motorist is the amount of insurance coverage that a person carries. You may be surprised to learn that some extended-coverage options are more affordable for certain customers than the bare-bones policies out there.

Springfield, Illinois Auto Policy Options

At Ogden Insurance Agency, Inc., we provide a full range of auto policy solutions, from affordable products that only cover the legal minimums to full coverage polices with rental reimbursement and roadside assistance. Some of our most popular policy options are:

• Collision insurance covers damages to your car after an auto accident
• Comprehensive insurance covers damages for non-crash-related damages after a covered event
• Medical payments coverage pays for medical treatment due accident-related injuries
• Towing and roadside assistance provides services in the event of a breakdown or debilitating car accident

To find out what 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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