Auto Insurance

Liability Coverage

Pays for bodily injury and property damage that you are liable for.

​Comprehensive Coverage

Damage to your car other than collision. This coverage will pay the market value of the car minus your deductible.

Collision Coverage

Covers damage to your car when your car collides with another vehicle or object. Similar to comprehensive coverage, this will pay the market value of your car less the deductible.

​Market Value

While we can’t give you the value of your car, we can help you research the value on or After looking at your car value we can assess what type of coverage you need for your car. Depending on the value of the car and how much you are willing to pay out of pocket, liability only on your Auto Insurance may be adequate for you.


A deductible is what you are willing to pay out before comprehensive or collision coverage kick in. The higher the deductible, the lower the insurance premium is. For instance, if you have an accident and your car has $4000 worth of damage and you carry a $500 deductible on your collision coverage- the insurance policy is going to pay out $3500. This leaves you with $500 to pay for your damages.

​Uninsured and Underinsured Coverage

These cover you in the event that another party hits you and does not have the adequate insurance to cover your damages

​Auto Discounts

A few of the discounts we offer: Multi-Vehicle, Multi-Policy, Homeowner, Paid In Full, Low Mileage

​Gap Insurance

This can provide protection when a loss occurs. This coverage will pay the difference between the Actual Cash Value (ACV) of your car and the outstanding balance of your vehicle loan or lease. InsureChampaign does have carriers that provide similar coverage at a minimum cost.