Without it, you would have to pay them yourself. This is why you need liability insurance, even if your car itself is not very valuable. Collision insurance protects your car in case of collision with another car. This insurance may entitle you to benefits when repairing your car, in addition to the damages that might be paid by the other driver. Collisions are the most common type of auto accident and it is advisable that you are covered by collision insurance in case you need to repair even minor damage to your car.
Comprehensive insurance covers losses caused by storms, thieves, and vandals.
This type of insurance is not as crucial as the others, but there are incidents of car theft and vandalism in the Chicago-Evanston area. You are well served to consider this type of coverage when living in a large city. Unless a friend can recommend a reliable agent to you, you should talk to at least two agents about your insurance needs. The amount of insurance you buy for your car should depend on its value. Insurance rates vary from company to company, and they depend also on the value of the car, the amount it is driven, the age of the drivers, and the past driving records of the drivers.