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Excellent Rates.
Chicago Auto Insurance Agent
Amazing Deals.
Chicago Auto Insurance Agent
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Robbins is a full-line independent agency, offering all forms of insurance coverage to businesses, individuals and governmental agencies. We represent leading, highly rated insurance companies.
As independent insurance agents, we can offer you the best coverage at an optimal cost.
Our personal lines division offers homeowners, small residential and automobile coverage. Our commercial division provides a complete range of coverage’s for commercial customers, including surety, group life and health.
We are members of the Professional Independenent Insurance Agents of Illinois, the Chicago Board of Underwriters and are registered with the Departments of Insurance in the states of Illinois, Indiana, Michigan, Georgia, Nevada, California and Missisippi.
Robbins Insurance Agency is a certified MBE/WBE firm.
Licenses/Credentials
•Licensed Insurance Agents and Broker.
•Member, Independent Insurance Agents of Illinois
Services Offered:
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Chicago Auto Insurance, insurance, Drivers Insurance
Chicago Auto Insurance: Staying Insured in Tough Times
In these tough economic times, everyone's looking for ways to cutback. For most of us there are areas where we could reduce our spending to save a little extra cash, but auto insurance shouldn't be one of them. Cutting back on auto insurance may seem like a quick solution, but it's really just a short term gain that could end up costing you big time. If you’re involved in an accident and don’t have auto insurance, how will you pay for medical expenses or repair your vehicle? What if you’re found liable for the accident? Never cancel your policy or let it lapse without contacting your Chicago auto insurance agent first.
In the case of an accident, your auto insurance policy is there to protect you. It helps to cover your expenses, should you be injured or need repairs on your vehicle after an accident. If you are found liable for a vehicle accident, your insurance can provide protection in the case of a lawsuit. Clearly cutting back on your auto insurance, even if it means a short term savings, is not an option. If you drive, auto insurance is a necessity. More importantly, it’s the law. Talk with a knowledgeable auto insurance carrier to find realistic ways to save on your premiums.
Chicago Auto Insurance: How Much Coverage Do You Need?
Maybe it’s time to go over your policy with a reputable Chicago auto insurance company if a tight budget has you rethinking your expenses. There are a number of things you can do to ensure you’re getting the best auto insurance coverage for your dollar. Keep in mind that every person’s circumstances are different, and what might be right for someone else’s coverage might not work for you. By going over your policy with a skilled Chicago auto insurance agent, you can weigh your options and possibly find some potential savings.
Start by finding out how much insurance coverage you really need on your vehicle. The law requires you to carry specific minimums. These include bodily injury and property damage coverage, but these minimums do not always provide sufficient coverage. Should you be held liable for an accident, and the other person’s injuries or damages is greater than your coverage, a lawsuit could risk your home and personal possessions. The Chicago auto insurance agent can advise you on exactly how much coverage you need.
A Qualified Chicago Auto Insurance Agent can Help You Save
Once you and your Chicago auto insurance agent have determined what coverage you should carry, you can then look at some of the optional things you may not need. Do you have car rental coverage? If your policy coverage includes the cost of a rental car, it can add to the cost of your insurance. If you can do without a rental vehicle, you could save on the cost of your premiums by eliminating it. Ask your Chicago auto insurance agent what things you can drop from your coverage and still be adequately insured.
What kind of car do you drive? If you have an older vehicle, you might be able to drop your collision coverage. If your car is only worth a few hundred dollars, it could be costing you more in yearly insurance rates than the total value of your car. Plus, older vehicles are usually less expensive to repair. Keep in mind this is only for the collision portion of your policy. You will still need to have the legally required coverage, no matter what year your car is. A qualified Chicago auto insurance company can help you crunch the numbers on the age and value of your particular vehicle to see if you can save some money.
Ask your Chicago auto insurance agent about taking a higher deductible. The deductible is the part of the repair expenses that you will have to pay up front before your insurance carrier will cover the remainder of the damages. Probably the easiest way to save on your auto insurance is to take a higher deductible. Increasing your deductible can save you quite a bit of money every year. But you will need to make certain you’ll be able to afford the higher deductible if you should ever need to make a claim.
Chicago Auto Insurance: There for You When You Need Help
One major way to find potential savings with your auto insurance is to look at some possible discounts that your Chicago auto insurance company may offer. Ask about a discount if you purchase more than one type of insurance from the same company. Get all your insurance from one company and save money at the same time. A good example of this is buying your homeowners’ or renters’ insurance from the same company that handles your auto insurance. Ask your Chicago auto insurance agent about this option.
There are a number of other discounts that may be available from your Chicago auto insurance company. How much do you drive? Ask about discounts if you’re a low-mileage driver. Less time on the road means there's less risk of an accident. Are you 55 or older? Ask about senior driver discounts. Mature drivers are typically more responsible drivers. Sign up for a driving safety course. Taking a course can help you improve your driving safety awareness and save you a little money in the process. Talk with your Chicago auto insurance carrier about the discounts they may offer.
Don’t let financial difficulties make you do without the necessities. You need auto insurance if you drive. The risk of driving without it can greatly overshadow any money you think you might be saving. Discuss your situation with a qualified Chicago auto insurance agent. He’s there to help you find affordable solutions. Not everyone’s circumstances are the same, but there are steps you can take. If you’re feeling the pinch of these hard economic times, talk with your Chicago auto insurance carrier. He or she can help you find ways to save on your auto insurance and possibly ease some of the stress on your budget as well.