Auto Insurance in Elgin, IL

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A Place to Explore

A drive northwest of Chicago will take to you a city rich in diversity and culture where over 112,000 have decided to call home. Elgin, Illinois, (IL) is a growing community with historical museums, world-class parks, a vibrant cultural arts emphasis and over 100 houses of worship. The city is perfect for investors, small families, retirees, young professionals, and those just looking for a unique place to put down roots. This “City in the Suburbs” is a blend of modern culture and rural traditions, having something for everyone to enjoy.

The historic distinction of Downtown Elgin, IL is enhanced by the great diversity that is celebrated. Local artisans and entrepreneurs provide unique dining experiences, shopping boutiques and entertainment venues. Downtown Elgin is a mix of civic amenities, relaxation opportunities and business offices. The beautiful Fox River flows nearby, creating an enthusiastic vibe for outdoor enjoyment at one of the many parks with walking and biking trails. You will find over 335 businesses operating in the Downtown area, one of the reasons it has been called a “City of Choice.”

Even though it can be considered a rural location, the city vibe and suburban accessibility mean residents and visitors alike are always coming and going. Just 45 minutes from Chicago and only 30 minutes from O’Hare International Airport, Elgin sees a lot of traffic throughout its streets. The Waterway, the farmhouse of Frank Lloyd Wright, the Grand Victoria Casino and Veterans Memorial Park are just a few of the places that receive plenty of attention, and you need to be well-protected when traveling throughout town. You need VIU by HUB’s car insurance for Elgin, IL residents.

Who Needs Car Insurance in Elgin, IL?

As a member of the Elgin, IL community, you are required by state law to carry liability insurance. This insurance pays for the expenses you may cause to others because of an accident. It could be expenses related to injuries or death, as well as property damage. So long as you carry the following minimum amounts, you are compliant with Illinois law:

  • $25,000 for one person for medical or death expenses
  • $50,000 for two or more people for medical or death expenses
  • $20,000 for property damage

While these are just the minimums, it is important that you speak to one of our VIU by HUB brokers about how much coverage this provides. The expenses of an accident often exceed these limits, leaving you paying for the remaining expenses out of pocket.

What Are Other Options for Car Insurance in Elgin?

If you want to protect your bank account from paying for excess costs related to an accident, it would be wise to consider additional coverage options. With VIU by HUB, you have several choices that can address personal injury costs, personal property damage and costs from underinsured motorists.

  • Comprehensive coverage will take of your car when damage occurs by a covered peril. These generally include fire, theft, vandalism, or hail.
  • Underinsured motorist coverage will help with expenses when the other driver’s insurance does not fully cover the medical bills. Illinois law requires liability policies to include minimum amounts of uninsured motorist protection but expanding that coverage may be a good investment.
  • Collision coverage will help with the repairs or replacement costs if your vehicle is damaged in an accident or through a collision without another object.

Medical payments coverage can help with the medical costs for those who may be in the car during the accident. The hospital visit, X-rays and surgeries for you, your family members or passengers in the car are generally covered up to the limit.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

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