Being in the insurance business for over 95 years, we know that there are as many types of drivers on the road as there are vehicles to drive in. Some drivers have been licensed for over 50 years, while some have little to no experience behind the wheel. Whatever the case, First Chicago has an insurance plan tailored to meet the needs of most types of drivers. Depending on your driving experience and vehicle type, you should consider the options of what coverage(s) will work best for your situation. To help you weigh those options, here is a guide to Understanding Auto Insurance.
Whether you are shopping for an insurance policy or you’re already one of our customers, it is important to understand the different types of coverages that make up a policy. Auto insurance is really a package of four (4) primary coverages; Liability coverage, Vehicle Medical Payments, Uninsured Motorists coverage and coverage for Damage to Your Vehicle. Taken together, these coverages make up a standard auto policy. Each of these coverages has its own separate premium. Your premium payment is the total of these separate premiums.
As if our low rates, friendly service and reliability aren’t enough reason to insure your vehicle with First Chicago Insurance—we also offer a laundry list of discounts to reward drivers of all kinds. No matter who you are, there is a good chance that you may qualify for one or more of our available discounts. The availability of the following discounts is subject to your state of residency and the First Chicago plan that you are applying for.
Here are a few more tips to lower your rates with First Chicago.