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
A Dependable Chicago Auto Insurance Company can Keep You Insured in a Tough Economy
During these difficult financial times, everyone’s looking for ways to save money. 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. Trying to get by without auto insurance is risky business that could land you in some big trouble down the road. If you’re in an accident you’ll have no coverage for injuries or vehicle repairs and if you’re liable for the accident you’ll be dealing with some serious issues. Talk with your Chicago auto insurance company before you ever decide to drop your coverage.
Auto insurance is meant to protect you if you are ever involved in an accident. 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 law suit. Even if it means a short term savings, obviously doing without auto insurance is not a good idea. Auto insurance is not only essential if you drive but 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 few things you can do to make sure you and your family is adequately covered and still get reasonable rates on your auto coverage. Remember that everyone’s situation is different and what might work for someone else might not be right for you. By spending a little time with a qualified Chicago auto insurance agent you can find out what your choices might be and hopefully find a few places where you can save.
The first thing you need to do is to determine how much auto coverage you actually need. There are minimums that the law requires you to carry. You must maintain bodily injury and property damage coverage but often the required minimums on these is not enough to offer real protection. If you are found at fault for an accident and the other party’s damages or injuries exceeds your coverage a potential law suit could put your home and personal possessions at risk. To get help determining the amount of coverage that’s right for you, contact your Chicago auto insurance company.
A Qualified Chicago Auto Insurance Agent can Help You Save
After you figure out the amount of insurance you need, you can then go over your policy with your Chicago auto insurance company to see if there is anything you can eliminate to save a little cash. Ask about rental car coverage. You could be spending more money if your insurance policy covers the use of a rental car after an accident. You can probably remove this added expense from your policy if you know you won’t need a rental car. You can call a qualified Chicago auto insurance agent to ask what you might be able to eliminate from your policy and still have enough coverage.
What kind of car do you drive? It may be possible to do without collision if you’re driving an older car. 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. Additionally, an older vehicle is usually cheaper to repair. Be aware this is only for the collision part of your insurance policy. You still have to have the basic bodily injury and liability required by law. Call a Chicago auto insurance agent to determine if the age of your vehicle would allow you to eliminate the collision coverage on your policy.
Ask your Chicago auto insurance agent about taking a higher deductible. Your deductible is what you must pay to cover damages before the insurance company will pay for the rest. Taking a higher deductible is one of the easiest methods of saving money on your premiums. By accepting a higher deductible you could be saving a considerable amount of money annually. 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.
Your Chicago Auto Insurance Agent: Helping to Keep You Insured
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. You might be able to get a discount if you buy more than one kind of insurance policy from the same carrier. Purchase all your insurance policies from one carrier and might be cutting your insurance costs. Buying your homeowners’ coverage and auto insurance from the same agent is a good example of this. 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. Are you a low mileage driver? Drivers that are on the road less than average may qualify for a discount. There’s less chance of accident if you don’t drive much. Are you age 55 or more? Try discounts for older drivers. Older drivers are usually considered to be safer drivers. Take a safe driving course. These refresher courses not only help improve your driving skills but can save you some money as well. 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 over shadow any money you think you might be saving. Call a dependable Chicago auto insurance company. They can help you stay insured at rates you can afford. While every driver is different there are still things you can consider. Call a dependable Chicago auto insurance company if you’re dealing with financial stress. He can help you find ways to save on your auto insurance and possible ease some of the stress on your budget as well.