Auto Insurance in Oswego, Naperville, Plainfield, and St. Charles

Auto insurance is essential for car owners, as accidents can occur at any time, even when a car is parked. Auto insurance can reduce your chances of having to pay for significant expenses out of pocket after an accident occurs. If you’re in need of quality auto insurance in St. Charles, Illinois, or the surrounding area, RKM Insurance Services, Inc. is here to help. Contact us today to get started.

What Auto Insurance Covers

While auto insurance varies among policyholders, standard coverages in policies might include:

• Liability insurance helps financially protect you against claims arising from damage or injuries you cause to others if you are at fault in a wreck.
  • Bodily injury liability helps cover an injured third party’s medical bills (and, in some cases, expenses arising from death) following an accident for which you are liable.
  • Property damage liability helps pay for damages you may have caused, such as those incurred by a third party’s car.
• Collision insurance helps cover the costs of repairing or replacing your vehicle following damage caused in a collision with an object.
• Comprehensive insurance helps pay for repairing or replacing your vehicle following a noncollision mishap, such as weather damage.
• Uninsured/underinsured insurance helps protect you against damage caused by someone else who doesn’t have appropriate liability coverage.

Contact RKM Insurance Services, Inc. to learn about tailoring your auto insurance policy to include additional coverages.

How Much Coverage Do I Need?

According to Illinois law, car owners must carry minimum amounts of liability coverage. Carrying more than just the bare minimum requirements is essential to limit potential out-of-pocket expenses after an accident. Learn more about coverage recommendations by reaching out to one of our experienced agents.

How Long Does It Take To Lower Car Insurance?

At RKM Insurance Services, Inc., we know that saving money is a top-of-mind concern. There may be a variety of strategies we can employ to help lower your car insurance premiums. In addition, as you get older and gain driving experience, your rates may systematically drop.

If you’ve been in an accident and filed a claim, or have a history of auto claims, you may see higher premiums than your peers. It can also take a few years to reduce rates if you are at fault in an accident. Maintaining a clean driving record can help keep your auto insurance costs low. Lastly, following basic traffic rules can decrease your chances of experiencing an accident and having to file an insurance claim.

Learn More

If you are a car owner near St. Charles, Illinois, the experienced agents at RKM Insurance Services, Inc., can assist you in learning more about potential auto insurance policies before making a decision on proper coverage.

For additional information, contact our agency at 630-796-4422 to request a quote on a policy.