If you are about to invest in a car insurance policy from Taake Insurance Agency in Columbia, IL, top in your mind is the safety of you and your car. But have you ever wondered if your auto insurance covers passengers? Because at times we carry people in our cars, it’s important to know what happens in the event they are injured following an accident.

Are passengers covered in an auto accident?

There are two ways we can answer this question. First, if you have invited in personal injury protection (PIP) coverage, this insurance plan can cover a certain percentage of injuries sustained by passengers. However, for the passenger to enjoy this benefit, they must show proof of not having PIP coverage on their own. Unfortunately, PIP coverage isn’t mandatory in Illinois, but it is a necessary investment to have.

The second way a passenger in your vehicle can be compensated is by claiming injuries from the other driver responsible for the accident. Since Illinois is an at-fault state, it means the person who caused the accident is responsible for the injuries of you and your passengers.

But what if you both share some fault of the accident? If this happens, you revert to the Illinois “tort” system of comparative fault. To understand this principle, let’s look at the example below.

Suppose you are at fault for 30% of the accident and the other driver the remaining 70%. If the medical bills are $10,000, you will claim 70% ($7,000) of the medical claims from the other driver.

Get more information about car insurance

Sometimes, car insurance isn’t as simple as it looks. You need an experienced insurance agent to teach you the ropes of auto insurance. If you are in Columbia, IL and its environs, please book an appointment with Taake Insurance Agency to learn more about auto insurance.

Comprehensive auto insurance in Illinois is a type of coverage that will pay for almost all things that can happen to your vehicle that aren’t collision related. If you have weather damage, tree damage, theft or fire problems, your comprehensive coverage will protect you financially.

You aren’t required to have comprehensive insurance in Illinois, unless your lender is asking for it. At Taake Insurance Agency, we want Columbia, IL residents to feel secure when they are on the roads.

What is Comprehensive Insurance?

Comprehensive insurance is the kind of insurance that covers things that collision and liability insurance do not cover in auto insurance. If your car is damaged, or you experience damages or losses as a result of something happening to your car, the comprehensive insurance will be the insurance that will cover you. It is always worth it, and the costs to your policy aren’t that severe. 

The most common claims covered by comprehensive insurance are:

• Fire
• Hurricane or tornado damage
• Theft, vandalism, or other crime
• Animal damage
• Civil unrest, such as protests or riots that lead to property damage

What your comprehensive insurance will not cover is property damage caused during a collision, or to another vehicle during a collision. It also will not cover medical costs that result from a collision. This is what your minimum insurance coverages for Illinois will cost.

Get a Quote

When you are looking for auto insurance in Illinois, contact the Taake Insurance Agency. We have been serving Columbia, IL residents for years to ensure they are covered for all of their auto insurance needs. You will never regret getting comprehensive insurance. Call us for a quote today.

Auto Insurance Tips For New Drivers in Columbia, IL

Getting your license and driving your first car can be an exciting adventure as shopping for it. You may already develop a few plans where your new ride is taking you, but have you thought about insurance? With road safety comes traffic rules and mandatory auto insurance. At Taake Insurance Agency, we help all drivers find policies that fit their budget, style, and preference. We also help make things less complicated and help you make an informed decision. With that said, here are a few insurance tips for new drivers in Columbia, IL.

Shop around

With so many insurance companies in Columbia IL, you are likely to get spoiled for choice. However, it is essential to know what you want and find reasonable prices for the same. Insurance companies have different ways of calculating premiums, therefore don’t just settle on the nearest insurance company around you. Don’t forget that cheap can also be expensive. Most inexpensive policies may have limited coverages, which may not be useful during an accident.

Know your insurance needs

If you don’t know what you want, you are likely to buy a policy that may not provide the protection you need.  For instance, if you have young teenagers driving your car, you may need more liability coverage. It is also a good idea to pack your policy with comprehensive and Collison coverages if you will be using the car often.

Look for discounts

You may already have discovered that buying insurance for the first time is not cheap. Insurance companies check factors like your driving experience, where you live, the model and year of the car, how you intend to use the vehicle, and many other things to calculate and come up with your rate.  Find ways to reduce your rates by looking for discounts and increasing your deductibles.

Looking for an auto insurance policy in Columbia, IL? Taake Insurance Agency is here to help you through the complex insurance journey. Contact us today!

In Columbia, IL, owning a car is a necessity to ensure that you are able to get around town. If you are in the market for a new vehicle here, you should also make sure that you are insuring it as well as possible. Auto insurance is often required by an auto loan provider and is a state requirement. When you do get a new auto insurance policy, it will include several different forms of insurance coverage that can make it a great investment for you.

Collision and Comprehensive Coverage

One type of coverage that you will receive will include collision and comprehensive coverage. When you get this type of insurance, it will give protection if your vehicle is stolen or damaged. This ultimately will help to ensure that you can repair or replace your car. Additionally, this type of coverage is normally required if you have an auto loan.

Liability Coverage

You will also receive an appropriate liability insurance policy. A full liability insurance policy will give coverage in the event you are at fault in an accident. If this does occur, your insurance policy can pay for damages that you cause including car repairs and medical bills. To drive your car legally, you will need to have this protection. 

As you are shopping for an auto insurance policy in Columbia, IL, it would be a good idea to get the guidance and support from a professional that you need to choose the right policy. A great resource to help you pick the right policy to meet your needs is the team at Taake Insurance Agency. If you do work with Taake Insurance Agency, you will get to learn more about the benefits of this valuable form of insurance. 

If you’re a new driver in Columbia, IL, buying insurance may seem confusing at first, but it’s not so tricky once you wrap your head around it. There are just a few things you’ll need to keep in mind:

• "Full coverage" breaks down into three basic categories: Liability, which covers the damages if someone else suffers injury or property loss and you are held responsible, collision, which includes your car in the event of a collision, and comprehensive, which covers your vehicle if it is damaged outside of a traffic accident.
• Liability is required by law for all motorists. Comprehensive and collision are optional, but necessary if you want your car to be covered.
• Prices can vary wildly. The same policy may cost two, three times as much from one insurer to the next. You’ll want to shop around and compare quotes. At Taake Insurance Agency, we can help by comparing a lot of different offers for you.
• Ask about discounts. A first-time insurance-buyer is going to spend more than someone who’s been on the road for a few years, but discounts can make a big difference.
• Higher deductibles mean lower premiums. You don’t want a deductible that’s higher than you can pay at a moment’s notice, but a higher deductible will have you paying less from month to month.

If you have any questions, give us a call at Taake Insurance Agency, and let’s see what we can do for you. We can help drivers in Columbia, IL get a good deal on an excellent policy, whether you’ve been driving for years or you’re just getting started. So call, send an email, or stop by our offices.

For people that are in the Columbia, IL area, having a car is usually a necessity. A vehicle makes it much easier for you to get around town and to and from work. If you are thinking of purchasing a car in Illinois, you do need to consider your auto insurance needs. There are several reasons why you should acquire an auto insurance policy on your vehicle.

Allows for Compliance

The first reason why you should get auto insurance is that it will allow you to comply with all agreements and regulations. The state of Illinois will require that all people have a liability auto insurance policy if they want to drive their car on the state roads. Those that do not have this level of auto insurance could face penalization and loss of their driver’s license. 

Protects Your Assets

While you will want to have auto insurance to comply with the state law in Illinois, it can also be beneficial because it will help to protect your assets. A car is a very big purchase and losing it due to theft, vandalism, or an accident could be very devastating. Fortunately, when you get a full auto insurance policy with comprehensive and collision coverage, you will receive coverage for virtually any situation that would cause a loss. 

There are many reasons why you should research auto insurance for your Columbia, IL vehicle. When you are shopping for a new insurance policy, you should call the team at the Taake Insurance Agency as soon as you can. When you reach out to the team at the Taake Insurance Agency, it can ensure that you have all of the auto insurance you need with reliable service and protection.

Since teens have begun to drive, guardians have wondered whether to add them to the existing coverage or give them a policy of their own. There are many points to consider when weighing the options. One of the most critical aspects to consider is the cost of the coverage.

Adding A Teen Driver

Insurance covering a teen driver is a tricky subject. While most policies will allow the addition of a teen driver, some won’t cover them and require them to have an individual policy. When adding a driver, consider how it will affect the policy of the adult carrying the coverage. Learning how it can change the policy options is the first step to determining the answer to that question. The best way to approach the topic is to consult a licensed insurance agent to get all of the details.

Find Out The Details

Because there is so much to consider when adding a teen driver, always consult with a trusted insurance company and ask an agent how it will affect the coverage and the policy. Once all the details are sorted, a well thought out decision can be made about auto insurance coverage. Those who have teen drivers in the Columbia, IL area should speak with an agent from Taake Insurance Agency to get more information to help guide them.

Having coverage for a teen driver is essential because they are a higher risk for claims. Therefore, it is going to affect coverage already in place and may lead the policyholder to create a separate policy for them. Residents in Illinois should call or stop by Taake Insurance Agency in Columbia, IL for more details. 

It may seem maddening to have to deal with a never-ending list of questions when you first sign up for your auto insurance. However, rest assured that all your information is not going to waste. Learn more about why your policy is based on more than your driving record, and what you can do if you want to more control over your driving destiny. Keep these tips from Taake Insurance Agency in mind before you start calling around for quotes. 

Responsibility Matters 

Your credit score, your grades in school, your history with the armed forces: none of these things have anything to do with how well you drive. But some insurance companies see these things as a sign of your overall commitment to your responsibility. A person who pays their bills on time may very well be a dangerous driver, but chances are they take the right precautions to save themselves trouble on the road. 

Location Matters 

Where you live is a major factor when it comes to determining a person’s auto insurance rates. If you live in Columbia, IL, you already know that certain streets simply pose more danger than others. Whether it’s crime, congestion, or poorly displayed signage, some areas simply file more insurance claims than others. If you happen to live or work in one of these areas, this could affect your overall rate. 

Taake Insurance Agency is happy to serve the people of Columbia, IL when they’re in need of a reasonable policy. Give us a call today if you’re looking to discuss your policy with someone you can trust. We’re happy to answer your questions, so you can be confident in the level of coverage you choose. 

Most people need a car to get around Columbia, IL. That means you also have to have car insurance. Choosing the right policy is as frustrating as it is intimidating, but it doesn’t have to be. There are a few things that change the value of a policy that is often overlooked by shoppers. A couple of tips from Taake Insurance Agency can help you better evaluate your options and get the best deal.

Customization

The simple fact is that you don’t need a policy that is identical to your neighbor’s. Everyone has different priorities. You might need to be able to accommodate teenagers who are learning to drive. Perhaps you engage in ridesharing from time to time for a little cash. There are so many factors that can impact how your policy should be customized that you want a policy and company that can adjust with you. Even in the digital age, not all companies and policies will be created equal in this.

Cost vs Coverage

We all want the lowest premiums we can get, but they don’t always come with the best coverage. The entire reason to have insurance is to make sure you aren’t on the hook if things go wrong. Too often, people only look at the premiums and not the true extent of the coverage. Does your policy pay on the value of your vehicle or on the cost of replacement? Sometimes, paying a little more each month is worth it if it can guarantee that you won’t be car-less after an accident.

If you’re still not sure which policy is the best, help is always available. You can speak with your Taake Insurance Agency representative serving Columbia, IL, and they will help you navigate. When you customize the right plan, you’ll find that car insurance doesn’t have to be so stressful.