Getting affordable yet comprehensive auto insurance can be a challenge, especially for drivers in a big city like Chicago. However with some research, you can find great insurance options even on a busy street like Harlem Avenue on the city’s northwest side. In this article, we’ll discuss how to shop for the right insurance and highlight a top local insurance agency American Auto Insurance, which has an office right on Harlem Avenue.
Understanding Auto Insurance Basics
Before diving into shopping for insurance, it’s helpful to understand what basic coverages you need and what factors affect your rates. Here are some key points:
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Liability insurance covers damage you cause to others in an accident. It’s required in Illinois and most states. You need at least $25000 per person and $50,000 per accident in bodily injury coverage plus $20,000 in property damage coverage.
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Collision and comprehensive pay for damage to your own car from collisions or other hazards like theft or vandalism. They’re optional but recommended.
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Factors that increase your rates include a poor driving record, young age, and high-risk vehicle. Maintaining a clean record and good credit can save you money.
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Ask about discounts! Things like low mileage, good student status, anti-theft devices, and bundling policies can lower your costs.
Shopping Around for the Best Rates
Don’t just default to the big name insurers you see on TV. Local and regional companies like American Auto Insurance are worth checking out. Here are some tips for shopping around:
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Get quotes from at least 3-5 insurers to compare. Be sure to get quotes for the same coverage amounts.
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Look at both large national companies and local/regional options Local insurers may offer better rates
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Consider an independent insurance agent. They can shop multiple companies for you and find the best fit.
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Check pricing regularly. Rates can change over time so it pays to shop around every 6-12 months.
Why American Auto Insurance is a Top Choice on Harlem
With an office located right on Harlem Avenue just north of North Avenue, American Auto Insurance is a convenient choice for drivers in this area. But they offer more than just proximity:
Affordable Rates
American Auto Insurance specializes in affordable coverage, with rates starting around $14 per month. They offer budget-friendly options like minimum liability coverage.
Flexible Payment Options
You can pay your premium monthly, quarterly or semi-annually to fit your budget. American Auto accepts cash, check, credit card and electronic payments.
Focus on Non-Standard Market
Drivers with tickets, accidents, suspensions or other marks on their records can still get covered with American Auto Insurance at reasonable rates.
Personalized Local Service
As a smaller, family-owned company based in Des Plaines, American Auto Insurance provides individualized service through local agents.
Quick Quote Process
You can get a free quote in just minutes through their website or by calling. Coverage can start same day in many cases.
Perks Like Roadside Assistance
Policy perks like 24/7 roadside assistance provide added peace of mind.
Getting a Quote is Easy
If you’re looking for quality insurance at a good price, American Auto Insurance is a great option conveniently located right on Harlem Avenue.
Getting a free, no-obligation quote takes less than 10 minutes. You can either:
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Call their Chicago office at (773) 286-3500.
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Request an online quote at www.americanautoinsurance.com.
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Stop by their Harlem Avenue location just north of North Ave.
Be sure to ask about available discounts to maximize your savings. American Auto Insurance has been providing Chicago drivers with affordable policies since 1989. Check them out for your auto insurance needs.
Uninsured or Underinsured Motorist Coverage
Not every driver on the road has the right car insurance, and some people don’t have any insurance at all. If you get into an accident with this kind of driver, it might be hard to get them to pay for the damage they caused. If you have coverage for an uninsured or underinsured driver, American Auto Insurance will pay for all the damage they caused, like damage to your car and injuries.
At American Auto Insurance, we encourage drivers to be safe on the road by lowering the rates of drivers who have never had an accident. If you think you are a safe driver, choosing higher deductibles when you sign your insurance policy is another good way to lower your rates. This means that if you cause an accident, you would be paying more out of pocket. Find out how much money you can spare in case of an accident without it affecting your ability to make a living. This will help you choose the right deductible.
By learning about auto insurance, you can figure out what kind of coverage you need and get the best policy for your needs. If you live in Illinois, consider getting a quote from us at American Auto Insurance. We not only help you stay on the right side of the law, but we also give you options and help you find an auto insurance plan that works for you. Quickly get a free quote or talk to one of our agents about how we can help you stay safe on the road.
10 Cheapest Car Insurance Companies in 2024
FAQ
Is American auto insurance legit?
How much is American average car insurance?
How much is car insurance in NYC monthly?
What insurance company is usually the cheapest?
How much does American auto insurance cost?
Coverage usually starts around $25,000 per person or $50,000 per accident. Aside from getting quality insurance coverage starting as low as $14 per month, there are several other reasons to choose American Auto Insurance as your number one insurance provider.
How do I Buy Car Insurance from American family?
To purchase a car insurance policy from American Family, you can call an agent, visit their office in person, or start a quote online. The American Family website offers a ZIP code lookup tool that lists nearby agents, along with a phone number, office address, and website. It even shows office locations on a map of your area.
Is American family a good insurance company?
American Family, tied with Allstate at No. 6 in our rating, offers average rates slightly higher than the national average. The company scored well in the claims handling, discounts, and customer service subcategories. It came in last among companies in our rating for customer loyalty and most likely to be recommended.
Why should you choose American auto insurance?
Aside from getting quality insurance coverage starting as low as $14 per month, there are several other reasons to choose American Auto Insurance as your number one insurance provider. For starters, you can get a free quote so you can understand just how much coverage you can get through us before even spending a dime.