Get the lowest price without sacrificing coverage! Now representing over 10 preferred auto carriers
including Progressive, AAA, State Auto, Safeco, The Hartford, Grange, Travelers and more!
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We are your Independent Insurance Agency in Chicago. We represent Progressive, State Auto, SafeCo, Travelers, Grange Insurance, Met Life home and auto, The Hartford, Madison Mutual and many more.
Sharon Robles has been selling insurance since 1995. As an Independent Insurance Agency, with over 20 years in the business, you can be assured that you are receiving solid insurance advise that you can depend on. Trust is the foundation our business is built on.
Give us a call and see how much you can save today!
Estela has been a valuable asset to my team. Since 2009, Estela has been instrumental in helping provide top notch service to all my clients. All lines licensed, Estela can help you with all your insurance needs.
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Choose from Progressive, State Auto, Safeco, Travelers, MetLife Home and Auto, Grange Insurance, Madison Mutual The Hartford and more.
Enjoy our award winning service and get the best rate for the coverage you need!
Choose from Progressive, State Auto, Safeco, Travelers, MetLife Home and Auto, Grange Insurance, Madison Mutual The Hartford and more.
Enjoy our award winning service and get the best rate for the coverage you need!
Choose from Progressive, State Auto, Safeco, Travelers, MetLife Home and Auto, Grange Insurance, Madison Mutual The Hartford and more.
Enjoy our award winning service and get the best rate for the coverage you need!
Choose from Progressive, State Auto, Safeco, Travelers, MetLife Home and Auto, Grange Insurance, Madison Mutual The Hartford and more.
Enjoy our award winning service and get the best rate for the coverage you need!
Choose from Progressive, Safeco, Travelers, Grange Insurance, and more.
Enjoy our award winning service and get the best rate for the coverage you need!
Choose from one of our affordable term, universal or whole life policies. Grange insurance is our go to company for all your life insurance needs. Consistently rated A by AM Best, you can feel comfortable that we will be here for you when you need us. Consider our First Step Life Insurance Product for your Children ages 0 - 17. $25,000 in coverage for only $70/year. That's just 19 cents per day!
Auto Insurance in Chicago: Understanding Coverage & Costs
When it comes to owning a vehicle in the bustling city of Chicago, having proper auto insurance is not only a legal requirement but also a smart financial decision. Auto insurance provides protection against unexpected expenses in the event of an accident, theft, or damage to your vehicle.
Do You Have to Have Car Insurance in Chicago?
Yes, car insurance is mandatory in Chicago, as it is in the entire state of Illinois. The minimum required coverage includes liability insurance, which covers bodily injury and property damage caused to others in an accident where you are at fault. The liability insurance requirements in Illinois are:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$20,000 for property damage per accident
These minimum limits provide a basic level of coverage but may not be sufficient to fully protect you in all situations. It's advisable to consider additional coverage options such as collision, comprehensive, and uninsured/underinsured motorist coverage to ensure comprehensive protection.
Why is Car Insurance So Expensive in Chicago?
Chicago's urban environment presents unique challenges for drivers, contributing to higher car insurance rates compared to other parts of Illinois. Here are some key factors that influence the cost of car insurance in Chicago:
- High Population Density: As one of the most populous cities in the United States, Chicago has a high concentration of vehicles on its roads. The increased traffic density leads to a higher risk of accidents, resulting in greater insurance costs.
- Traffic Congestion: Chicago is notorious for its traffic congestion, especially during rush hours. The more time drivers spend on the road, the greater the likelihood of accidents. Insurance companies factor in the increased risk associated with traffic congestion when calculating premiums.
- Frequency of Auto Thefts: Unfortunately, Chicago has experienced its fair share of auto theft incidents. Higher rates of auto theft in certain areas of the city can drive up insurance costs for everyone.
- Extreme Weather Conditions: The Windy City is known for its harsh winters and severe weather conditions. Snowstorms, icy roads, and hailstorms increase the risk of accidents and vehicle damage, leading to higher insurance premiums.
Is Car Insurance More Expensive in Chicago?
Compared to other parts of Illinois, car insurance rates in Chicago tend to be higher. Factors such as population density, traffic congestion, and crime rates impact the cost of insurance premiums. Additionally, individual factors like your driving history, age, and type of vehicle can also affect the cost of your insurance coverage.
How Much is Car Insurance in Chicago?
Car insurance rates can vary widely depending on multiple factors, including the insurance company, coverage options, your driving record, and the type of vehicle you own. It's important to remember that the rates mentioned here are for illustrative purposes only, and actual prices may vary.
On average, car insurance in Chicago can range from around $1,000 to $2,500 per year. However, this is a rough estimate and can be higher or lower depending on various factors.
Get a Quote Today!
To obtain a personalized car insurance quote tailored to your specific needs, you can call the Sharon Robles Agency. We provide reliable insurance services and can assist you in finding the best coverage options at competitive rates.
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(312)294-0040
(312)-294-0040
+13122940040
