Auto Insurance

Firstly, at Insurance Navy, we know that picking the best cheap car insurance can be stressful. That is why our agents, with years of experience working in the industry, are experts at matching the right policy with the right person.

We offer free car insurance quotes within minutes in our offices and over the phone. However, we also offer free car insurance quotes on our website or through our mobile app. We have 16 office locations in Illinois. In other words, our team has the experience and expertise to give you the exact coverage you need, no matter where you are. 

With the lowest down payments in the industry and flexible payment plans, being insured has never been easier. Every day, there are 889 accidents in Illinois. Car insurance protects you from any damages that may result from these car accidents.

Liability Insurance

As of 2015 per Illinois law (625 ILCS 5/7-601), cars must have the following minimum amounts in vehicle liability insurance:

  • $25,000 for injury or death of one person in an accident.
  • $50,000 for injury or death of more than one person in an accident.
  • $20,000 for damages to the property of another person.

If you’re involved in a crash, officers may issue a ticket if you have no proof of insurance. Similarly, this could happen when an officer pulls you over for any reason. However, with our Insurance Navy app, you have instant proof of insurance.

Car insurance may be the biggest expense that comes with owning a car. To make sure you are getting the most competitive rates, Insurance Navy will compare prices from the best auto insurance providers. When shopping around with different carriers, Insurance Navy guarantees an accurate comparison. 

Therefore, we make sure coverages, limits, and deductibles match the insured’s prior policy or new coverages. It is important to know the best auto insurance options you have available and the type of coverage you are buying. We are ready to work with your insurance needs and offer the most competitive prices.

Moreover, it is important to know how car insurance works before buying a policy. The policy limits and deductibles will affect a person’s insurance premium. An insurance premium is also affected by personal information. This includes a person’s age, marital status, driving record and more.


A policy limit is the maximum amount an auto insurance company has to pay for insured damages. A deductible is the amount the holder of a policy must pay out-of-pocket. However, this is only before an insurance company assumes the rest of the costs. In other words, the higher a deductible is, the less expensive a premium is.

Lastly, our customer base may be growing but we pride ourselves on having great client relationships and remain dedicated to providing everyone with a personalized experience. We want to help you save money on the amount of coverage that’s right for you. We can also help you track the claims process, learn the entry requirements you’ll need when traveling from the United States to Mexico, and much more.

More Information

Have any additional questions regarding accident forgiveness, insurance commissioners, or consumer reports? Call us today at 888-949-6289 or visit one of our many offices. Because we care about your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

We also have a strong presence on social media, so like or follow us on Twitter, Facebook, Instagram, or Pinterest. After that, we can keep you updated on helpful insurance solution tips, local news and much more.

Additionally, we can help you find a car insurance quote right on our website. Because we want to help you save money wherever possible, we offer our insurance quotes completely free of charge. Lastly, we also have blogs that may help you with any questions you have. For instance, our blogs cover many different topics. From how your credit score can affect the cost of homeowners insurance, to three tips that can help you find the cheapest rates for car insurance.

Any Questions? Contact Us!

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10338 South Harlem Avenue
Palos Hills, Illinois 60465