What happens if I lie about my driving history?

Lying about your driving history is known as soft fraud. If you lie about your driving history, your insurance company can deny you services and cancel the car insurance policy.

What happens if I do not buy auto insurance?

If you get in an accident and do not have car insurance, you may be sued and face jail time.

Can I put anyone on my policy?

You can include anyone that lives under the same address as you do.

What happens if I forget to pay my premium?

Insurance Navy offers courtesy payment reminder calls. If you miss your premium, you will be charged a late fee and may face insurance cancellation for nonpayment.

What is an insurance deductible?

A deductible is the amount of money you are required to pay after an accident before your insurance company takes over the remaining amount.

Do I have to notify my insurance company if I move?

Ye, report a change of address immediately. Address changes may affect your insurance rates and your insurance company may also deny any claims if the correct address is not on file.

Will a red car make my insurance bills higher?

No. This is a common myth surrounding auto insurance policies. Driving a red car does not make your insurance premiums more expensive.

Does my auto policy cover a rental vehicle?

Rentals are only covered under your car insurance policy if you have rental reimbursement.

How long does it take to file a claim?

Filing a claim is a quick process. You may file a claim online, over the phone, in-person or through our mobile app. The process should take no more than 15 minutes.

What happens if I cancel my policy before the contract expires?

Customers are charged a cancellation fee and receive a pro-rated reimbursement, if they qualify, excluding agency fees and finance fees.

How much car insurance do I need?

Under Illinois state law, you are only required to have liability insurance.

Does my car insurance cover other drivers?

This depends on your policy. The best way to ensure a driver is protected under your car insurance is to list them on your policy.

Does car insurance cover rental cars?

Comprehensive and collision coverage extends to rental cars.

Can I get car insurance if I do not own a car?

Yes, Insurance Navy offers non-owner car insurance policies.

What happens if I hit my own car?

If you have collision coverage, this will pay for the repairs. If you do not, you will have to pay for the repairs out of pocket.

Am I covered if I drive outside of the country?

Car insurance policies issued in the United States usually extend into Canada. For other countires, you will have to purchase international vehicle insurance.

Does auto insurance cover theft?

Only comprehensive coverage covers theft. Your insurance company will pay the value of your car, up to its limit.

What does full coverage mean?

What is included in a full coverage policy varies by insurance company but it usually means comprehensive and collision coverage.

Do I need to start a new policy to add a driver or vehicle?

No, you may simply update your current policy.

I want to change my car insurance coverage. When can I make changes to my policy?

You can make changes to your car insurance policy at any time.

How long does car insurance last?

Auto insurance terms are 6 or 12 months.

Can I buy insurance in one state even though I live in another?

No, insurance can only be purchased where is car is located.

What is permissive use?

Permissive use is allowing a person that is not listed on your insurance policy or a member of your household to use your car.

How can I make payments?

Insurance Navy offers the following payment options:

  • Online
  • Mobile App
  • Phone
  • Automatic Payments
  • Mail
Do you need more information or need a quote. Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.