Auto Insurance

Antique/Classic Cars


An auto insurance policy is a contract between you and an insurance company. You pay the premium, and in exchange, the insurance company agrees to pay for car-related financial losses during the term of the policy. Auto insurance requirements vary by state. Our team can help you choose the right policy for your car.

What are the common auto insurance coverages?

Below are some simplified descriptions of common auto insurance coverages. All coverages are subject to the limits, terms and conditions of the actual policy you purchase.

Bodily injury liability coverage generally pays damages for bodily injuries to the driver and passengers of the other vehicle or pedestrians when you are responsible (at-fault) for the accident. It also provides coverage to defend you in case of the lawsuit filed against you related to an auto accident.

Property damage liability coverage generally pays for the damage to another person’s property (vehicle, home, fence and etc.) when you are responsible for the accident. It also provides coverage to defend you if you are sued because of an auto accident.

Medical payments coverage generally covers you and your passengers for medical expenses that result from injuries sustained in an auto accident. It also covers you as a pedestrian if you are hit by the vehicle.

Uninsured or underinsured motorist bodily injury coverage generally pays for bodily injuries to you and your passengers when caused by the other vehicle in an auto accident and the person legally responsible either have inadequate or no insurance.

Collision coverage generally pays for the damage to your car up to fair market value in case of an accident (colliding with another vehicle, hitting the tree, obstacle on the road, property). A deductible applies to this coverage.

Comprehensive coverage generally pays for the damage to your car if it is stolen or damaged by certain causes other than collision, such as fire, theft, hail or vandalism. A deductible applies to this coverage.

Roadside Assistance pays for reasonable towing and required labor costs at the site of breakdown when your auto is disabled. The coverage limit may vary depending on the insurance carrier.

Rental Coverage pays for rental vehicle while your vehicle is disabled, in the body shop for repairs from collision or comprehensive loss. In case of the total loss – pays for rental vehicle until the claim is settled. The coverage may vary depending on insurance carrier.

What should I consider when purchasing auto insurance?

  • When purchasing auto insurance, make sure you find coverage that fits your needs. Think about you and your family’s specific circumstances, including your risk tolerance and your budget.
  • What is your household salary? What are your assets? How much in savings and equity do you have? Generally, the higher is your salary and net worth, the more you stand to lose if you are ever found liable for an accident. That means you might want to consider higher coverage.
  • How old is your car and how much is it worth? Do you own your car or is it leased or financed? The model, year and mileage of your car helps to determine the approximate value of your car.
  • How much are you willing to pay out-of-pocket? Deductibles are applicable to comprehensive and collision coverages. In the event of a loss, a deductible is the amount that you must pay out-of-pocket before your insurance kicks in. A higher deductible will lower your premium.
  • Do you have health insurance? If you do not have your own health insurance, you should consider purchasing medical payments coverage on your policy.
  • Do you have children of driving age? Children are generally more inexperienced drivers and can present a greater risk on the road. You might want to consider purchasing higher limits of liability coverage.

Additional Auto Insurance Information:

  • Illinois Auto Insurance Information and Resources (The Illinois Department of Insurance)
  • Illinois Auto Insurance Details and Resources (DMV)

Antique/Classic Cars

You may have noticed there is a big difference between classic car insurance policies and regular use policies, including cost. Not all classic or antique cars are used the same, so our agency can help you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.
Classic cars are usually considered antique vehicles (15-20 years old or older). Classic cars can also include:

  • Exotic autos new and old
  • Muscle cars
  • Sports cars of all ages
  • Rare or desirable cars

We understand what classic car owners want and need to protect their investment.


Our agency insures a full spectrum of motorcycles: street cycles, Harley Davidson, cruisers touring bikes and more.  Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, what coverage you choose.

The coverages available for motorcycles are very similar to automobile coverages(Bodily Injury and Property Damage Liability, Comprehensive and Collision, Uninsured/Underinsured Motorist, Medical Payments, Roadside Assistance, Rental Coverage).

You can customize your policy by adding:

Additional Accessory coverage

Transport Trailer coverage

Please contact our agency for more information at 708-433-7777!