Auto Insurance That Fits Your Life
Whether you're insuring your first car, adding another driver, or looking for a better rate, our Insurance Advisors compare options from multiple insurance companies to help you find coverage that fits your needs and budget.
Get a Auto Insurance Quote One Agency. Multiple Insurance Companies.
You don't have to contact insurance companies one by one.
Nine Lives Agency works with multiple insurance carriers, allowing our Insurance Advisors to compare available options and help you find coverage based on your vehicle, driving history, coverage needs and budget.
-
We Compare QuotesCompare available options from multiple insurance companies. - We Explain Your CoverageUnderstand what you're paying for before you buy.
- We Help After
You BuyHave a question about your policy? Talk to a real person.
What Does Auto Insurance Cover?
Build Coverage Around What You Need.
- Liability CoverageHelps pay for injuries or property damage you cause to others in a covered accident.
- Collision CoverageHelps pay for damage to your vehicle after a collision, subject to your deductible and policy terms.
- Comprehensive CoverageHelps cover certain non-collision losses such as theft, vandalism, hail and other covered events.
- Uninsured / Underinsured Motorist CoverageProvides protection when you're injured by a driver who has no insurance or insufficient insurance, subject to the coverage and limits on your policy.
- Medical PaymentsMay help pay covered medical expenses for you and your passengers after an accident.
- Optional CoveragesDepending on the insurance company, additional options may include roadside assistance, rental reimbursement and other coverages.
Illinois Auto Insurance Requirements
Illinois requires most vehicle owners to maintain liability insurance. Current minimum liability limits are:
$25,000
Bodily Injury — per person
$50,000
Bodily Injury — per accident
$20,000
Property Damage — per accident
Illinois also requires minimum uninsured motorist bodily-injury coverage of $25,000/$50,000. State minimum coverage doesn't necessarily mean enough coverage.
$25,000
Bodily Injury — per person
$50,000
Bodily Injury — per accident
$20,000
Property Damage — per accident
Illinois also requires minimum uninsured motorist bodily-injury coverage of $25,000/$50,000. State minimum coverage doesn't necessarily mean enough coverage.
Liability or Full Coverage?
Liability Only
Full Coverage
Injuries you cause
to others
to others
Covered up to policy limits
Covered up to policy limits
Damage you cause
to someone else's property
to someone else's property
Covered up to policy limits
Covered up to policy limits
Damage to your car from a collision
Not covered
Collision coverage*
Theft of your car
Not covered
Comprehensive coverage*
Hail, vandalism, falling objects, certain weather damage
Not covered
Comprehensive coverage*
Required by Illinois law
Liability coverage is required
Includes required liability coverage
Financed or leased vehicle
Usually not enough to meet lender/lessor requirements
Collision & Comprehensive
are commonly required
are commonly required
Cost
Generally lower
Generally higher
* Subject to your deductible, coverage limits, exclusions, and policy terms.
Financing or Leasing a Car?
If your vehicle is financed or leased, your lender or leasing company may require Collision and Comprehensive coverage in addition to the insurance required by Illinois law.
Buying a new car? Talk to us before you drive it home.
Get a Quote What Affects Your Auto Insurance Rate?
Your premium can be affected by many factors, including:
-
Your Driving RecordAccidents and traffic violations may affect your rate. -
Your VehicleVehicle type, value, repair costs, and other characteristics matter. -
Where You LiveRates can vary depending on where the vehicle is primarily kept. -
Drivers on Your PolicyAge, driving history and other rating factors can affect premiums. -
Coverage & DeductiblesHigher limits, additional coverage and deductible choices can change your premium. -
Insurance HistoryYour prior coverage history may also affect pricing, depending on the insurer.
That's why comparing insurance companies can make a difference.
Bundle Your Insurance
Combining Auto with Home, Condo or Renters insurance with the same carrier may qualify you for additional discounts, depending on the insurance company.
Ask About Bundling Auto Insurance FAQ
Illinois requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. Additional coverage, including uninsured motorist protection, is also required. However, state minimums may not be enough to protect you financially after a serious accident. Our Insurance Advisors can help you choose appropriate coverage limits.
Liability insurance helps pay for injuries or property damage you cause to others. “Full coverage” typically refers to a policy that combines liability, collision, and comprehensive coverage, helping protect your own vehicle as well. Keep in mind that “full coverage” doesn't mean everything is covered.
Usually, yes. Most lenders require collision and comprehensive coverage until your vehicle is paid off. These coverages help protect the vehicle against covered accidents, theft, and other damage. Your lender may also have specific deductible requirements.
It depends on your policy and who is driving. Some policies may cover occasional drivers who have your permission, while household members and regular drivers generally need to be disclosed to your insurance company. Always check with your Insurance Advisor before lending your car.
A higher deductible usually means a lower premium, while a lower deductible generally means paying more for insurance. Choose an amount you could comfortably afford to pay out of pocket if you file a claim. Our Insurance Advisors can help you compare your options.
Usually, yes. Teen drivers generally have higher insurance rates due to their limited driving experience. However, some insurance companies offer discounts for good students, driver training, or other qualifying factors. Our Insurance Advisors can help you explore ways to save.
Absolutely! Many insurance companies offer discounts when you combine Auto and Home insurance. You may also qualify for savings by bundling Auto with Renters or Condo insurance. Our Insurance Advisors can compare available bundle options to help you find a good fit.
Contact your Insurance Advisor before driving your new car home. If you already have auto insurance, your policy may temporarily cover a newly purchased vehicle, but coverage and notification deadlines vary by insurer. If you don't have an active policy, you'll need to arrange insurance before driving.
Yes! As an independent insurance agency, Nine Lives works with multiple insurance companies to help you compare coverage options and prices. Instead of contacting several companies yourself, you can work with one Insurance Advisor who helps you find coverage that fits your needs and budget.