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.
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
✓ Covered up to policy limits
✓ Covered up to policy limits
Damage you cause 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
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.
Learn more 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.
Who Should Contact Us?
Looking for Auto Insurance? We Can Help If You:
- Are buying a car
- Your premium increased
- Added a new driver
- Added a teen driver
- Moved
- Need to insure multiple vehicles
- Want different coverage
- Are switching insurance companies
- Want to bundle Auto & Home
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.
FAQ
Our managers are always ready to answer your questions. You can call us during the weekends and at night. Also, you can visit our office for a personal consultation.
Our company works according to the principle of individual approach to every client. This method allows us to succeed in tasks of any level.