Insurance Partners, Inc., provides best coverage Auto, Truck, and Motorcycle Insurance quotes free of charge. Simply fill out the quote form below and one of our agents will contact you. Or feel free to call us at (217) 544-8644 or stop by our office at 901 S. Spring St., Springfield, IL.

Click the “Free Auto Insurance Quote” button below to connect with an experienced agent to discuss your ongoing auto insurance needs.

What is auto insurance?

Auto insurance is a contract between you and the insurance company. Insurance protects you against financial loss in case of an accident or theft. When you agree to pay a premium, the insurance company agrees to pay losses as outlined in your policy.

Auto insurance provides coverage for:
• Property – such as damage to or theft of your car
• Liability – your legal responsibility to others for bodily injury or property damage
• Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses

Policies are generally issued for six-month or one-year timeframes and are renewable. The insurance company sends a notice when it is time to renew the policy and pay your premium.

Who is covered by my auto insurance?

Your auto policy covers you and other family members on your policy, when driving your car or someone else’s car (with their permission). Your policy also covers a driver who is not on your policy but has your consent to drive your car. Your personal auto policy only covers personal driving, whether you are commuting to work, running errands, or taking a trip. It will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas or provide ride-sharing transportation to others such as Uber or Lyft. If you use your vehicle for commercial purpose, ask us about supplemental insurance products (at additional cost).

Is auto insurance coverage mandatory?

Auto insurance requirements vary from state to state though basic personal auto insurance is mandated by most U.S. states. Auto insurance coverages are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget. If you finance a car, your lender may have its own requirements. Nearly every state requires car owners to carry the following:
• Bodily injury liability covers costs associated with injuries or death that you or another driver causes while driving your car.
• Property damage liability reimburses others for damage that you or another driver operating your car causes to another vehicle or other property, such as a fence, building or utility pole.

In addition, many states require that you carry:
• Medical payments or personal injury protection (PIP), which provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.
• Uninsured motorist coverage reimburses you when an accident is caused by a driver who does not have auto insurance—or in the case of a hit-and-run. You can also purchase under insured motorist coverage, which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident.

Even if PIP and uninsured motorist coverage are optional in your state, consider adding them to your policy for greater financial protection.

What other types of auto insurance coverage are typical?

Most basic, legally mandated auto insurance policies cover the damage your car causes. However, it does not cover damage to your own car. To cover your own car, you should consider these optional coverages:

• Collision insurance covers the cost of damage to your car caused by collision with another vehicle or other object, e.g., a tree or guardrail, when you are at fault. Collision coverage will also cover damage from potholes or rolling your car. Collision coverage will not reimburse you for mechanical failure or normal wear-and-tear on your vehicle.
• Comprehensive insurance provides coverage against theft and damage caused by an incident other than a collision. Examples are fire, flood, vandalism, hail, falling rocks or trees and more.
• Glass Coverage covers the cost of windshield damage, which is common. Some auto policies include no-deductible glass coverage. This includes side windows, rear windows, and glass sunroofs. Or you can buy supplemental glass coverage.

What is gap insurance, and do I need it?

Collision and comprehensive only cover the market value of your car, not what you paid for it. New vehicles depreciate quickly! If your car is totaled or stolen, gap insurance can cover the “gap” between what you owe on your vehicle and its replacement cost. Note that for leased vehicles, gap coverage is usually rolled into your lease payments.

Business Insurance Quote Form
Enter your current address
Enter the business email address.
Enter your business phone number
Enter your full name (first, middle and last).
Enter your title with the business; e.g., owner, president.
Enter your full address, city, state and zip code.
Enter your phone number
Enter your business federal employer identification number or tax identification number.
Please list your estimated outstanding balances (i.e. home, autos, credit cards, personal loans)
Enter your email address
Enter your current insurance provider
Enter your current agent
Please specify monthly, quarterly or annually
How would you prefer to pay your premium?

Scheduled Items