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Rockford, Illinois Auto, SR-22, Home, Renters & Motorcycle Insurance

Rockford is the third-largest Illinois city, and the largest outside of the Chicago area. It is also a key player in the automotive industry, as Fiat Chrysler’s® local assembly plant is one of the city’s largest employers. When those cars roll off the line, there’s a good chance you might see quite a few of them on the state and interstate routes that pass through the Rockford area.

Whenever you hit the road, you need protection. Car insurance is one of the best ways to gain such security. Cloverleaf Insurance is here to help every Illinois driver get affordable, top-rated coverage.

Rockford Residents: Choose Cloverleaf Insurance

You never want to have a car accident, experience vehicle theft, or have severe weather damage your vehicle. But, you cannot prevent every accident. And should one of these incidents impact you, you don’t want to worry about the challenges that might result when making repairs. Instead, let your car insurance policy cover you.

When you’re looking for the best coverage, come to Cloverleaf Insurance. We have over three decades of experience in the auto insurance industry, and our dedicated agents know exactly how to compare coverage and policy premiums to find you the best balance of protection and costs.

Illinois’s Auto Insurance Requirements

All Illinois car insurance policies must contain a balance of required and optional coverage.

Under Illinois law, all drivers must carry liability insurance.

Liability insurance will protect you after accidents for which you are found at-fault. It also helps you compensate other parties for their own losses, such as injuries or property damage.

In Illinois, you must carry at least:

  • $25,000 Bodily Injury Coverage per person, per accident
  • $50,000 Bodily Injury Coverage total per accident
  • $20,000 Property Damage Coverage

Illinois policies must also contain uninsured auto coverage. It will pay you when another at-fault driver does not have appropriate liability insurance for your own losses. Your policy will automatically include:

  • $25,000 Bodily Injury Coverage per person, per accident
  • $50,000 Bodily Injury Coverage total per accident

Keep In Mind: There are no restrictions that force you to carry only the Illinois minimum limits. Though you must carry at least this much coverage, you generally should carry more.

Additional Coverage

You can enhance your required protection with a variety of optional coverage. The more you have, the better you’ll be able to pay for your own losses.

  • We recommend that drivers carry higher liability coverage limits, usually upwards of $100,000. We also recommend that you carry additional uninsured motorist coverage limits.
  • Collision Insurance can cover repairs for your own vehicle after a wreck. Your policy can also help you replace the vehicle after a wreck.
  • Comprehensive Coverage will insure your vehicle in the event of damage from non-accident hazards. Covered scenarios might include damage from fire, theft, vandalism and weather.
  • Other policy elements, such as rental car coverage or glass insurance, might help you cover additional fees that might prove burdensome.

Non-Standard Auto Insurance

You will always present certain driving risks to insurers. Unfortunately, these will sometimes drive up your premium payments. Some insurers might even disqualify you from getting certain policies.

Let Cloverleaf Insurance help you avoid the potential hassles that might make it harder to get coverage. We have the expertise to help every Rockford driver get targeted coverage regardless of driving risks. Even if you need supplementary documentation, such as an SR-22 form, we can be your guides. We’ll make sure that you still pay an affordable, fair price for your coverage.

Get Started Today

In Cloverleaf Insurance, you’ll have a long-term partner in getting and keeping car insurance. Rockford residents can start a free online quote right now. Or, call us at (800) 530-5822 for more information.

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