Auto Insurance

It's Smart to Shop Around

Auto insurance is an important part of any solid financial plan. There's a lot to consider, so it's smart to shop around for the policy and company that are right for you. You can start by getting a car insurance quote — it's easy.

Auto Insurance Shopping Ideas

Some important, top-line things to think about as you're shopping for auto insurance:

Liability Coverage
Accidents happen. And they can be expensive. But if you carry Liability Coverage, and are involved in a covered loss, Liability will help shield you from unexpected bills — or even the high price of a lawsuit. You'll gain huge peace of mind knowing that you, your family, and your assets (your home, your savings, and your investments) are all well protected.

Vehicle Protection
You've put a lot of time, money, and care into your car — after all, it's one of the most important tools you own. So make sure you're protecting it with the right Collision and Comprehensive coverage options. These will help keep you covered if you need repairs after a covered loss.

Managing Your Premiums
Know your overall monthly expenses, and make sure your premium fits your budget. Adjusting your coverage limits and deductible amounts can save you money now, while still helping to keep you well protected with a solid policy. Also, be sure to check out any available auto insurance policy discounts. You might be surprised at what you qualify for, and just how much you can save.

The Right Partner
And when it comes to choosing the right company, ask some important questions: “Am I getting a quality product, with excellent customer service? Am I paying a fair price?” The answers can help steer you down the right road.

Building a Policy That's Right for You

We can help target the level of auto insurance coverage that fits you best. It can also reveal valuable discounts and savings, help you pinpoint your state requirements, and show you what other people like you are buying. And our quick and easy quote tool can show you how switching to Allstate might even save you money. Or, you can call 1-815-322-2655 to quote over the phone.


Your First Car Means Your First Auto Insurance Policy

Congratulations on buying your first car! Whether you've just started driving or are finally striking out on your own, being responsible for your own ride brings a lot of independence along with an all important "to-do": Getting your own auto insurance.

Get Protected with the Right Coverage

Probably the most important decision you'll need to make when it comes to your auto insurance is how much coverage to have. You might be tempted to go as low as you can, but remember to think about how much it would cost if your new car got totaled, or if you hurt someone and were responsible for their medical bills.

Paying a few extra bucks a month could be worth it in the long run. Here are some of the typical coverages you'll find on your policy.

Coverage That Protects You if You're at Fault
Bodily Injury Liability
Property Damage

Coverage That Protects You From Uninsured Drivers
Uninsured and Underinsured Motorists

Coverage That Protects You if You Get Hurt
Medical Payments
Personal Injury Protection

Coverage That Protects Your Car


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What's in a New Car Warranty?

A warranty is essentially a promise from the manufacturer that the car you purchased from them will run reliably for a certain period of time. And if their parts or manufacturing process are faulty in any way, they'll take the steps to fix your car and make things right.

How Warranties Work

Warranties are typically broken out into a few different sections-usually based on the specific components covered.

Each section's coverage duration is typically expressed as a period of years and/or mileage-and each period may be different. For instance, your car's basic limited warranty may be 3 years/36,000 miles, but you may be protected against rust and corrosion for up to 10 years/100,000 miles. Regardless, the specific warranty is "up" when either one of those conditions are met.

Typically, manufacturers break warranty coverages down by:

The Basic Limited Warranty covers your car for just about everything-except items that typically wear out over time, like brake pads, oil filters, and wiper blades. For further details, check with your car dealership or check your owner's manual to see what's specifically covered.

The Powertrain Limited Warranty (also known as Drivetrain) covers the powertrain-the system that makes the car move, including the engine, transmission, drive axles and driveshaft. Again, you'll want to check with your car dealership or look in the owner's manual to understand your powertrain warranty's structure and limitations.

Know Your Warranty's Limitations

New car warranties typically don't cover tasks considered to be routine maintenance. They also won't protect you against problems resulting from your failure to perform routine maintenance. So if you're thinking that 36 month/36,000 mile warranty lets you off the hook for changing your oil for the next 3 years, think again!

To keep your warranty valid, make sure you're getting regular oil changes and maintenance check-ups according to the manufacturer's recommended schedule-and hang on to those maintenance invoices. You never know when you may need them and they provide a solid service record when it comes time to sell the car.

And maybe it goes without saying, but if your engine stops running because your car hit a tree... well, that's not covered either. You'll need car insurance for that. We at The Thomas Agency can provide you the coverage that fits your needs.

Want Some Serious Protection?

Drivers who switch to Farmers can save up to 30% on their auto insurance when they switch.

Get a no-obligation quote, and talk to your agent to see how we can help you save on car insurance and protect the things that matter most to you!