The first part is the liability section of the auto insurance policy. This covers your financial responsibility in the event that you insure someone. All states require some form of liability coverage.
Chicago Car Insurance
The second part of the auto insurance policy covers the automotive itself. This can range from comprehensive coverage, which reimburses you theft, fire, and other disasters, to collision coverage, which pays for repair costs associated with an accident. This coverage is often required when seeking a lease or car loan from a financial institution.
Chicago Auto Insurance Company
As the cost of auto insurance continues to rise, all auto owners owe it to themselves to find ways to reduce their car insurance premiums. These are some possible ideas that can help reduce your auto insurance premiums:
- Research several company auto insurance premium rates. At The Stewart Insurance and Financial Services Agency, LLC, we can do this in a flash for you. As an independent insurance agency, we have access to policies from all the major insurance providers.
- If you own an older car, possibly remove the Collision or Comprehensive coverage. The Stewart Insurance and Financial Services Agency, LLC can offer advice on whether Collision or Comprehensive insurance is needed, depending on the age and usage of the car.
- Raise your deductible. This may seem risky, but on average a driver files a collision claim every ten years. The Stewart Insurance and Financial Services Agency, LLC can teach you how increasing your deductible can greatly decrease your premiums.
- Lastly, don’t assume having your home and auto insured by the same company will save you money. Auto insurance rates vary greatly from company-to-company. Often times, you can get a better rate on your auto and home insurance by using separate insurance companies. The experts at The Stewart Insurance and Financial Services Agency, LLC will advise what is best with regards to all your insurance needs.
To fully understand all your auto insurance policy options, please give The Stewart Insurance and Financial Services Agency, LLC. a call at (312) 386-7451, today. We will be able to advise you exactly how much each policy option affects your monthly premiums and coverage.
Chicago Commercial Business Insurance
A commercial business insurance policy helps protect your business and all subsidiaries under one single insurance policy. The coverage can range from property and liability to workers’ compensation to name a few. You need to be sure you are covered on all aspects. For example, property insurance covers the property and inventory, liability insurance covers third party damages, and workers’ compensation covers employees in the event of an injury or accident.
Chicago Business Insurance
Commercial business insurance is the backbone of all businesses. Without commercial business insurance, you, your company, and employees are not protected if something should happen. In the event of a company disaster or loss, a lack of commercial business insurance could end up costing your a fortune, including the your company.
Don’t go another day without having the commercial business coverage you require. Call The Stewart Insurance and Financial Services Agency, LLC. today at (312) 386-7451 to learn more about our full line of commercial business insurance options.
Chicago Ho6 Insurance
Condominium insurance helps protect your unit against disasters. It covers the interior of your unit, such as walls, floors, cabinets, fixtures, etc. These are all things that are not covered by your condominium association. This is why it is imperative to have a comprehensive condominium insurance policy, so you are protected; in the event, a disaster occurs.
Chicago Condo Owners Insurance
Not all condominium insurance policies are the same. They are different depending on what each unit owner is responsible for covering. Be sure to review your condominium association policy and by-laws carefully to ensure that your unit is adequately covered in all events.
The Stewart Insurance and Financial Services Agency, LLC. offers a wide range of condominium insurance policies from a variety of insurance providers. Please give us a call today at (312) 386-7451 for more information about our condominium insurance options.
Chicago Homeowners Insurance
Homeowners’ insurance policy rates are determined by a number of factors, such as the quality of coverage. A name-peril homeowner’s insurance policy will only cover those losses specifically listed on the contract. However, an all-risk homeowner’s insurance policy provides broader coverage and the burden of proof is the responsibility of the carrier in the event of a loss.
Chicago House Insurance
At The Stewart Insurance and Financial Services Agency, we are a full-service independent insurance agency. We offer competitive rates on a variety of homeowner’s insurance policies from a number of insurance carriers, so we can get you the best rate possible. We also continuously monitor your policy to ensure you are getting the best price possible price and we will always be there to help guide you throughout the entire claim process if something unforeseen should occur.
To learn more about what The Stewart Insurance and Financial Services Agency, LLC. can do to best serve your needs, call us at: (312) 386-7451, today.