Auto Insurance in Des Plaines IL

Des Plaines Auto Insurance Quotes

At Insurance Navy, we’re not just an insurance company, we’re your Des Plaines auto insurance partner, in the northwest part of Chicago. We’re here to help you drive with confidence knowing you’re covered by a team that gets you.

Ready to get started? Contact us today! We can’t wait to show you the Insurance Navy difference.

About Des Plaines, IL

Located northwest of Chicago in Cook County, Des Plaines, Illinois gets its name from the nearby Des Plaines River and was incorporated in 1869. Just a short drive from Chicago, Des Plaines is a family friendly city with a great community. Restaurants, attractions and diverse housing options make it a great place to raise a family.

Illinois Auto Insurance Requirements

Minimum Coverage and Fines for Non-Compliance

First off: if you’re driving in Illinois you must have auto insurance. It’s not just a good idea – it’s the law. The state has set minimum coverage limits that every driver must meet.

Here’s what you need to know:

Bodily Injury Liability: $25,000 per person / $50,000 per accident
Property Damage Liability: $20,000 per accident
Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident

These are the minimums to protect you and others on the road.

Fines For Non-Compliance

Now let’s talk about what happens if you don’t carry at least the minimum auto insurance in Des Plaines. Not carrying auto insurance in Des Plaines Illinois is not just risky; it can get you in trouble. If you get caught driving without insurance you could:

Fines from $500 to $1,000
License plate suspension
Reinstatement fees
Vehicle impoundment

And if you get into an accident without insurance the financial burden could be huge for those in and around the Chicagoland area.

What Affects Auto Insurance Rates in Des Plaines IL?

Several factors affect auto insurance rates in Des Plaines, IL including driver demographics.

Driving Record: A clean driving record means lower insurance rates. No tickets, accidents or violations.
Credit Score: Higher credit scores mean lower insurance rates. Manage your credit to save on monthly premiums.
Vehicle: Sports and luxury cars cost more to insure than family sedans or minivans. Cars with good safety ratings and anti-theft devices may qualify for discounts.
Location: Where you live and park your car matters. Local factors like traffic, crime and weather in Des Plaines impact rates.
Age and Occupation: Younger drivers (under 25) pay more. Rates decrease with age and driving experience as long as you maintain a clean record.
Marital Status: Marital status lowers car insurance rates because married people statistically drive less risky and have fewer claims. Insurers also consider married drivers more stable and responsible so they perceive less risk.

These factors add up to your overall risk profile and consequently your premium rates. Remember while these factors do affect your rates everyone’s situation is unique. That’s why we always recommend you call us at Insurance Navy.

We’ll work with you one on one to understand your situation and find a policy that covers all your needs and fits your budget.

Auto Insurance Rates in Des Plaines

Online Quote Tools and Agents

Call our agents at 888-949-6289 or use our online quote tool we’ll get you fast service and affordable options to fit your needs

We have many different types of policies to fit all budgets and coverage needs. From comprehensive to custom policies for specific needs our team will deliver great service and value for all drivers from Illinois SR22 certificates to comprehensive and liability coverage.

Discounts and Savings

At Insurance Navy we love helping Des Plaines drivers save money. Here’s how we can help you keep more cash in your pocket:

Multi-Car Policies: Got more than one vehicle in your household? Insuring them all with us could mean a nice discount on your premiums.
Bundling Insurance Policies: If you’re a homeowner consider bundling your home and auto insurance with us. Not only does this make insurance management easier but you can also save big on both policies. Bundling home insurance protects your house and belongings and can cover home repairs even if you have bad credit.
Safe Driver Discounts: If you have a clean record we want to reward you for being a good driver.

Insurance Navy in Des Plaines: what we offer

At Insurance Navy we offer auto insurance services to Des Plaines residents. You need more than just a policy you need a partner who has your back on and off the road.

Here’s what we bring to the table:

Quick Quotes And Coverage

We know you’re busy so we made getting insurance in Des Plaines, IL easy:

Multiple Ways To Contact Us: Get a quote and coverage today by calling us at 800-483-4868 or submit your info online. Whatever works for you!
Expert Help: Our agents will guide you through the process so you understand your options and get the right coverage for you.
Instant Relief: Once you’ve chosen your auto insurance policy we can get you covered right away. No waiting periods here!

Local Service For Des Plaines, IL

At Insurance Navy we’re not just an auto insurance company we’re your neighbors. We take pride in offering local service that’s tailored to Des Plaines, IL drivers:

Experienced Insurance Agents: Our team doesn’t just sell policies we know them inside and out. We can explain each option so you can make an informed decision.
Unbeatable Customer Service: We’re here to serve you not just sell to you. Have a question? Need to change your policy? We’re just a phone call away ready to help with a smile.
Local Focus: We’ve been serving the Northwest Indiana and Illinois communities for years and we know the Des Plaines driver. This local knowledge allows us to offer you quality and affordable auto insurance rates.

Other Policies:

In addition to the above policies we offer:

Rental Reimbursement: If your vehicle is inoperable due to a covered incident under your collision or comprehensive policy we’ll reimburse up to $25 per day for a rental vehicle.

SR-22 Car Insurance Policy: If your license has been suspended or revoked due to driving without insurance we offer affordable SR-22 insurance. This policy is required by the secretary of state’s office and includes at least the state minimum liability coverage to get your license back.

Insurance in Des Plaines: Why Insurance Navy

Reasons To Choose A Local Insurance Company in Des Plaines, IL

Insurance Navy is not in Des Plaines, IL we’re part of Des Plaines. That’s a big difference:

Local Focus: We serve families in Des Plaines and the surrounding areas. Your community is our community.
Local Knowledge: Our agents don’t just know auto insurance they know Des Plaines. From local traffic patterns to neighborhood-specific risks we know what Des Plaines drivers face every day.
Personal Attention: We’re not a big corporation. We’re your neighbors ready to provide face to face personalized service to you.
Deep Roots: Our commitment to Des Plaines and the surrounding areas runs deep. We’ve been here for years and our insurance offerings have grown with the community.
In-Depth Knowledge: Our agents don’t just sell policies we know them inside and out. We’ll make sure you have all the information you need to feel good about your Insurance Navy policy.
Customized Solutions: With years of experience in Des Plaines we’ve learned one size doesn’t fit all. We’ll work with you to create an auto insurance solution that fits your life including commercial insurance and customized coverage for business needs.

Insurance in Des Plaines, IL start today

Getting auto insurance in Des Plaines, IL doesn’t have to be hard. With Insurance Navy you get coverage options, competitive rates and customer service.

Get An Auto Insurance Quote Online Or By Phone

Getting started with Insurance Navy is easy:

Call Us: 888-949-6289. Our team is ready to help you with affordable insurance options.
Online Quote: Prefer to start online? No problem. Fill out the form and we’ll get back to you.

Either way, we’re committed to finding you great coverage at a price that works for your budget.

Get a Free Auto Insurance Quote in Des Plaines today!

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