Category: Auto Insurance

When it comes to answering the question, does auto insurance cover a rental car,  there isn’t a straightforward answer. The most accurate answer is maybe. It really depends on the type of coverage that you have. At August Vincent Insurance Agency in Huntley, IL, we serve the people of the Quad Cities, Iowa City, Huntley, and Lake in the Hills. 

Does auto insurance cover a rental vehicle?

If you have basic auto insurance, which is mandated by the state, then no, you will not have coverage for a rental vehicle. Basic auto insurance is liability insurance only. You won’t have to worry about getting excess liability coverage if you are satisfied with the insurance that you have, it should be adequate for your rental car. 

If you have a car loan or are leasing your personal vehicle, then the chances are you will have the coverage you need for a rental car. You must carry comprehensive collision coverage if you lease a vehicle or have a car loan. This insurance protects the vehicle itself, and it will cover your rental to the same extent. 

Keep in mind that your personal auto insurance will cover a vehicle you rent in the United States or Canada, but the same can’t be said for Mexico or European countries. You will need to take advantage of the CDW that is offered by the car rental company. You may have car rental insurance as a perk on your credit card, and if you use that car for the rental, you may get coverage that way as well. 

Give us a call

At August Vincent Insurance Agency in Huntley, IL, we are here to help our customers with all of their insurance questions and needs. 

During the winter months, car accidents are more likely to happen. This is because roads are slick or icy. At August Vincent Insurance Agency, providing residents in the greater Huntley, IL area with auto insurance, we want to help you stay safe as you drive on roads during the winter months.

Here are our top tips to help you avoid winter-related car accidents:

Ensure Your Tires Have the Proper Tread

One of the best ways to minimize your chances of being involved in an accident this winter is to ensure your tires have the proper tread. Having the proper tread helps your tires to grip the road, which can prevent you from sliding on icy or wet roads. If your tires do not have enough tread, have them replaced before the winter season hits. 

Drive Slower Than You Normally Would

Another tip that can help to minimize your chances of being involved in an accident this winter is to drive slower than you normally would. When roads are icy or slick, you should drive a bit slower than the posted speed limit to stay safe. 

Make Sure Your Headlights Work

Finally, before you hit the roads, take the time to ensure your headlights work and then use them. Using your headlights helps to illuminate dark spaces, helping you to identify ice or other hazards. 

Get Auto Insurance Today

Unfortunately, drivers cannot prevent every accident from happening. If an accident does happen, having the right insurance can make all the difference in ensuring that your car gets repaired and you are able to get back out on the roads quickly. The agents at August Vincent Insurance Agency, serving residents in the greater Huntley, IL area, can help you with all of your auto insurance needs. Call us today to obtain an estimate for a new auto insurance policy. 

Insurance coverage that hasn’t kept up with major changes in our lives can have a significant impact on what we’re actually covered for. If you’ve recently made a major life change, then now is a great time to revisit your auto insurance policy, and see if anything needs updating. At August Vincent Insurance Agency, serving the Huntley, IL area, we often see drivers with old policies that no longer fit their needs.

Here are three reasons you might want to revisit your own auto insurance policy:

1) You’ve made some kind of big life change

Whether you’ve gotten married, bought a house, or moved to a new state, you should check in on your auto insurance policy, make sure that the information they have is up-to-date, and make sure that the policy still covers what you need it to cover.

2) You’ve added a child to your family

Children factor into insurance policies in different ways. While teen drivers can mean an increase in prices, a baby can often mean lower premiums since families with young children don’t tend to take many long road trips.

3) You’ve added another driver or a new car

New toys are exciting, but they can be rough on insurance depending on what type they are. Adding another driver can also change your rates in ways you might not expect. Either way, it’s important to update your policy to reflect these sorts of changes as soon as you can, to make sure everyone and their vehicle are covered properly.

Contact us at August Vincent Insurance Agency today to update your auto insurance policy. We’re proud to serve the Huntley, IL area, and are committed to helping you find the right insurance policy for your needs.

Premiums are the amount you pay each month or yearly to keep your insurance. They come with policy, including health, home, and car. You pay to keep your policy in place. 

Premiums are determined by the risk of insuring an individual item. They’re usually counted as a percentage coverage amount or insurance limit. For help and advice, give us a call at August Vincent Insurance Agency in Huntley, IL.

Why Do You Need to Pay an Insurance Premium? 

Insurance companies need money to pay for their services. They have to have a certain amount of money in the reserve to pay for people’s claims on their policies. This is called a "Solvency Margin." 

Premiums also help insurance companies stay in business and continue to offer policies to other people. If policy users didn’t receive any money from premiums, they would lose money on every policy they sell so that they couldn’t stay in business long term. 

If you don’t pay your premiums in time, it will likely result in a cancellation of your policy, and you may not be able to get another one as easily. Some policies, such as critical illness insurance, have a one-time premium, but most have regular payments that you must make to keep the coverage active. 

Medical, dental, vision, life, disability, car, renters, homeowners, and other policies can help you protect your assets and your family from financial risk. By choosing the right insurance policy and keeping up with your payments, you can protect yourself from financial risk. 

Give Us A Call

Premiums are standardized and each type of insurance comes with its set of terms and conditions. If you need to do to stay covered, don’t worry. You can contact the insurance provider directly or speak with your insurance agent. Contact August Vincent Insurance Agency in Huntley, IL today. 

When you have a vehicle on the roads, it is important to have the financial protection and peace of mind that auto insurance offers, but sometimes we have questions. If that is the case, then speak to August Vincent Insurance Agency serving Huntley, IL to become familiar with your auto insurance policy.

Is Auto Insurance Is Mandatory in IL?

Certain types of liability coverage against bodily injury and property damage are mandatory in IL. Bodily injury insurance pays for the costs associated with third-party injuries or death, including pedestrians due to an accident that is your fault. Property damage insurance pays for the costs associated with damage to a third party’s property due to an auto accident for which you are liable. The limits are set on the low end. For sufficient coverage, you should review and increase the minimum limits set by the state.

You should also purchase uninsured and underinsured motorist injury coverage and insurance which covers you for your bodily injuries caused by an at-fault driver who is under-or uninsured.

What Types of Insurance Are There for Damage to My Vehicle?

There are two main types: collision coverage when you sustain damage to your vehicle because of an accident and comprehensive coverage for when the damage is from something else like theft or vandalism, or perils.

What Affects My Premium?

Several factors may affect your premium. These include:

• Your age, gender, and marital status
• Your coverage limits. The more you purchase, the higher the cost.
• What type of vehicle you own, its condition, and age
• The area you live in
• Credit record

If you have more questions, don’t hesitate to reach out to August Vincent Insurance Agency serving Huntley, IL to review or renew your policy and so they can answer any burning questions you may have!

Auto insurance is not just a single type of coverage, it has multiple components. It is a customizable policy that can include only the parts that you want. You don’t need to pay for types of coverage that are just not right for you. At August Vincent Insurance Agency in Huntley, IL, we have been serving the Quad City area for the last 10 years. Our agents will work hard to make sure you get the best insurance product customized for your particular needs.

Liability coverage

Liability coverage is the amount that is usually mandated by each state to protect other drivers from you in the event that you cause an accident. It is designed to protect your assets from being lost to a judgment against you. The amount of coverage you have should reflect your financial situation. 

Collision coverage

Collision coverage comes with a deductible. It is insurance that covers your vehicle in an accident where you are the at-fault driver. It will also cover you if you are a victim of a hit and run. The insurance company will determine the value of your vehicle if it is deemed a total loss. 

Comprehensive coverage

Life is filled with risks and many things can happen to you over which you have little or no control. Comprehensive insurance protects your vehicle against many of these things. If your vehicle is stolen or vandalized, this is the insurance that protects you. Weather can be fickle and hail the size of a golf ball or strong winds that uproot trees, can cause a lot of damage to your vehicle. 

Roadside Service

Having your vehicle break down or getting a flat tire can be stressful. Having roadside service will give you the confidence that help is just a phone call away. 

Contact August Vincent Insurance Agency in Huntley, IL to discuss your auto insurance needs.