Category: Auto Insurance

When looking to purchase a new car, you may not be sure what the difference is between a crossover and an SUV. SUVs have been around longer, but crossovers have been getting more attention. Discover the difference below so you can make an informed decision when purchasing your next car. 

Platform and Chassis

The most significant difference between the two is the frame and platform design. Crossovers are usually built off of a car platform and are smaller, while SUVs are designed like trucks with multiple parts and chassis. This can impact the vehicle’s towing capability, with SUVs being able to carry larger weights. 

Space

Although a crossover looks like an SUV, it can’t reach the size levels of an SUV. A crossover can only be so big; for many families, that may be enough. However, those who need a larger space will look to the SUV to see what they can get. Since they are on a multi-piece platform, they can come in different sizes. SUVs can carry a lot of cargo at once, whereas a crossover can be great for shopping, but some of the more oversized items may need to be delivered. 

Gas Mileage

Another difference between the crossover and the SUV is the gas mileage. Many crossovers are now equipped with fuel-efficient motors, which makes them easier to manage at the gas pump. Because some SUVs are larger, they need to have larger motors to haul and carry the weight regularly. A larger engine means that more gas is purchased, which can be a big expense if you drive a long distance. 

If you want more information on auto insurance in the Illinois area, contact Green Family Insurance Inc. today. 

Our agents at Green Family Insurance Inc. understand the importance of having an appropriate amount of auto insurance in place to cover you and your vehicle.

Types of Auto Insurance Coverage

In the state of Illinois, all drivers must have at least an auto liability insurance policy in place. This will help pay for the other driver’s vehicle and any injuries that the driver or his or her passengers suffer due to an accident that is your fault. There are other types of insurance policies that you could obtain for your vehicle.

You never know when a tragic incident will occur, which is why it’s better to be safe than sorry when it comes to auto insurance. Listed below are the different options you have when it comes to creating your auto insurance policy.

Uninsured and Underinsured Motorist Coverage

If you’re involved in an accident that is the fault of a driver who does not have insurance, this type of policy will come in handy for you. This is because it will cover the damages to your vehicle and even help you out with medical bills if you are injured.

Comprehensive Insurance

Comprehensive insurance coverage will help replace or repair your beloved vehicle if it is damaged by some sort of incident. The types of incidents covered include natural disasters, fires, theft, and vandalism.

Collision Insurance

If you collide with another vehicle or even some inanimate object, collision insurance will be your best friend. It will help you repair your vehicle and get you back on the road as soon as possible.

Both collision and comprehensive insurance policies are usually required by auto loan lenders.

Reach Out To Us

Contact our auto insurance agents at Green Family Insurance Inc. today to get your auto insurance policy started in Illinois. We are happy to help!

When you’re renting a car, you may be offered rental car insurance coverage. This coverage may be offered by the rental car company or your own auto insurance provider. So, do you need it? Our team at Green Family Insurance Inc. in Illinois has the answers.

What is Rental Car Coverage?

Rental car coverage is optional insurance that you can purchase when you’re renting a car. It is generally cheap, and it covers damages to the rental car, as well as third-party property damage and personal injuries that you may cause while driving the rental car.

Do You Need Rental Car Coverage?

Whether or not you need rental car coverage depends on several factors. For example, if you have an extensive auto insurance policy, it’s likely that your policy will extend to cover damages to a rental car. However, if you only have the minimum amount of auto insurance required by your state, then your policy probably will not cover damages to a rental car — in which case, you would need to purchase rental car coverage.

Additionally, most rental cars come with minimal liability insurance coverage from the rental car company. So, if you cause damage to the rental car or someone else’s property while driving, the rental car company’s insurance will cover the damages up to a certain limit. However, if the damages exceed the limit, you will be responsible for paying the difference.

You Need Rental Car Insurance

All in all, adding rental car coverage to your insurance plan is a smart move. It’s affordable and it can save you a lot of money down the line if you’re ever in an accident. So, if you live in Illinois and you don’t have this type of coverage, now is the time to add it. Contact us at Green Family Insurance Inc. in Illinois to get started.

Are you looking to find a car insurance policy that doesn’t break the bank? Then, it might be essential to understand various tips and tricks that you can use to keep yourself protected. At Green Family Insurance Inc., we can help Illinois residents better understand their options.

Enhance Your Credit Score 

Did you know that improving your credit score can boost your chance for better insurance rates? In this way, you can get the high-quality policies that you need without having to pay too much money. So instead, pay off your credit sources, minimize your debts, and keep yourself safe.

Bundle Your Policies 

Try to focus your car insurance policies (and all other policies) into one vendor and bundle them together to save money. This option is wise because it ensures that you can make your payments on time by bundling all your payments into one package. 

Increase Deductibles to Decrease Premiums 

Are you tired of paying high premiums every month for your insurance? Then, it would help if you considered boosting your deductibles. This balancing act requires finding a policy that still meets your needs, including one that will cover replacement costs without difficulty. 

Protect Your Car 

When you install things like anti-theft devices onto your car, your insurance company may decrease your rates. A telematics plan can also help by tracking your driving behavior and showing that you are a safe and careful driver who won’t experience any high-risk behaviors. 

Handling This Process Properly 

Please don’t hesitate to reach out to us at Green Family Insurance Inc. to get the Illinois insurance that you need. Our team will work with you to ensure that you don’t end up paying too much for your policy and running into issues.

Are you a new driver, or have you recently moved to Illinois and want to know what’s required to drive your vehicle on the roads? Then you’ll need to learn about the minimum auto insurance requirements of the state. Talk to an insurance agent at Green Family Insurance Inc. of Illinois to determine what should be your next step. 

Get an Auto Insurance Policy 

You’ll need to obtain insurance coverage from an insurance company or independent agency. The minimum required automobile insurance in Illinois is liability coverage. This protects you in the instance you cause an accident and damage someone’s property and/or hurt them. Note that you won’t have coverage for yourself and your own vehicle with this type of policy. 

Parts of Liability Coverage 

There are two parts when it comes to auto liability coverage – bodily injury and property damage liability. With bodily injury, there is a minimum coverage amount in place for each injured person and each accident. With property damage, there’s also a certain minimum coverage amount for damage during each accident. You might also have coverage for bodily injury to uninsured motorists. Be sure to find out if the agency offers this and if it’s recommended for you.

Carry Proof

When you have auto insurance, you must carry proof in your vehicle. A law officer may ask to see this at some point, and you also need to have registration available to show them. 

Don’t let auto insurance become a hassle. Set up an appointment to sit down and discuss policy options with an agent at Green Family Insurance Inc. of Illinois, and you’ll be pleased with the results.

The state of Illinois is one of the most populated states in the country. For most people that live in this state, owning a car is an excellent investment as it will help them to get around town efficiently. If you are going to purchase a car in this state, it would be a good idea to get an auto insurance policy. When you have auto insurance here, it will work to protect you in several different ways.

Provides Coverage for Vehicle

One of the advantages of getting auto insurance here is that it will provide you with coverage for your vehicle. A car is one of the most significant investments that someone will ever make. If you are going to purchase a vehicle here, you will want to ensure that it is fully covered by insurance. When you get a full collision and comprehensive auto insurance policy, you will know that you will have the support to repair or replace your vehicle if you incur a loss.

Gives Coverage for Liability

Another advantage of an auto insurance policy is that it will give you coverage for liability. Driving a car will always come with some risk. If you were to cause an accident when you are driving, you could be found liable. When this occurs, you are going to be responsible for any damages you cause. With an auto insurance policy, you will receive the liability coverage that you need to offset this risk.

Ultimately, everyone in Illinois would benefit from having auto insurance. Since there are complexities that come with picking a policy, you should contact Green Family Insurance Inc. when you start shopping for a policy. The insurance team at Green Family Insurance Inc. will help you better understand your options and ensure you receive proper coverage.