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Car insurance that makes sense

Ours are the top-rated insurers in the industry, the ones consistently offering the very best rates. Clients “park” their cars (and motorcycles) with us because we do all the homework for them, researching the most hassle-free companies at the lowest cost.  If you have a claim or question, we are here to help, and this is how we keep our customers year after year: the right companies at the lowest premium with the promptest service.  Don’t pay more than you have to for auto insurance, and don’t give up the full-time assistance of a personal agent, someone with the expertise to actually help you when the need arises.  

How to Get Car Insurance?

Probably the best way to get car insurance is through a broker who carries a number of providers.  You can buy auto insurance online, of course, but it is always a good idea to have a real human being, a professional agent, review what you are about to purchase in advance.  There are a number of policy provisions in an auto insurance contract that most people don’t have a thorough understanding of. An actual agent can also compare pricing and in that way make sure you are getting the best possible deal. Start with a popular auto insurance brokerage website like  You will be prompted to put in some basic information. An agent then will compare companies for you so that you get a low premium. He or she will then follow up with you to make sure you understand the coverage you are considering buying in terms of what is available. For instance, to take just one example, most people don’t know that the liability portion of their auto insurance policy is the least expensive.  This is the portion that protects you in the event of a lawsuit. It is usually a very good idea to carry high liability limits. If you need to lower your premium, rather than cutting these limits, it is generally best to increase your deductible. A website like enables you to conveniently get the process started, but then makes it more likely that you will end up buying the right coverage for your circumstances at the lowest possible price.  

The State of Illinois requires that drivers carry auto insurance.  The State stipulates certain minimum coverage amounts. In essence, your car insurance falls into two main types of coverage.  There is a liability portion. This covers you in the event of an accident which occasions a lawsuit. If someone in another vehicle is injured, you could be facing legal action.  The liability portion of your auto insurance policy will come to your aid in such a case. However, many people don’t realize that liability coverage is the least expensive aspect of the policy.  It is always a good idea to carry as high a limit as possible. The second type of coverage provided on your auto policy is for physical damage. There is the damage to your vehicle due to an accident or damage done to it while it is stationary.  Physical damage coverage always offers a deductible. The higher the deductible you choose, the lower the premium. It is generally a good idea to maintain high liability limits and make up for the extra premium by carrying a bigger deductible for physical damage.  

How much is car insurance?

How much you will have to pay for your car insurance will depend upon a number of factors.  Young drivers, especially males, are considered higher risk. These drivers tend to pay significantly more than average.  A car insurance company, before determining your premium, is going to pull your MVR report, which will list all accidents and tickets on your record.  An auto insurance company will go back into your record from three to five years. Another consideration is the type of vehicle you drive. More expensive vehicles, whether to replace outright or provide parts for, are going to cost more to insure.  Yet another factor is the neighborhood in which you live. Drivers in densely populated urban areas tend to pay more, suburban and rural drivers less. However, a revolution in underway in the auto insurance industry. Cars are being equipped with technologies that will enable the insurance company to know whether you brake and turn the wheel properly, whether you use your turn signals, etc.  In other words, we are on the verge of a new basis for determining how much car insurance costs, and it will be dramatically individualized. Your driving habits will go very far in determining how much premium you are required to pay.  

What does car insurance cover ?

Almost every state requires some kind of auto insurance — but do you know why? Having auto insurance is a great benefit to you and protects you in many ways:

  • Protects your vehicle investment.
  • Protects you against medical expenses after an accident.
  • Protects you against damages from a lawsuit.
  • Protects you from uninsured or underinsured motorists.
  • Protects you from expenses for repairs due to things like theft, vandalism or other disasters.
  • Bonus: It provides peace of mind every time you hit the road.

Types of car insurance

Liability coverage is required in most US states as a legal requirement to drive a car. Liability insurance may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.

Collision insurance may cover damage to your car after an accident involving another vehicle and may help to repair or replace a covered vehicle.

Comprehensive insurance can provide an extra level of coverage in the instance of an accident involving another vehicle. It may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.

Uninsured motorist insurance can protect you and your car against uninsured drivers and hit-and-run accidents. This coverage is often paired with underinsured motorist insurance.

Many drivers choose to carry the minimum in liability coverage to save money, but this might not provide enough coverage. Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.

Medical costs following an accident can be very expensive. Medical payments coverage can help pay medical costs related to a covered accident, regardless of who is at fault.

Personal injury protection insurance may cover certain medical expenses and loss of income resulting from a covered accident. Depending on the limits of a policy, personal injury protection could cover as much as 80% of medical and other expenses stemming from a covered accident.

Car value can depreciate quickly, so an auto insurance settlement might not be enough to cover the cost of a loan. Gap insurance may help certain drivers cover the amount owed on a car loan after a total loss or theft.

Available if you already have comprehensive car insurance, towing and labor insurance may reimburse you for a tow and for the labor costs to repair your vehicle.

Figuring out how to get around after an accident can be expensive. Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.

Classic car insurance provides specialized coverage designed for the unique needs of vintage and classic car collectors. Find out if classic car insurance is right for you.

How does car insurance work?

What Is Standard Auto Insurance?

Standard auto insurance refers to the most basic auto insurance offered to drivers who fall into an average risk profile. The standard coverage will usually be the least expensive type of auto insurance available to the driver. Drivers with a clean driving record and a minimal number of claims filed in their past will usually qualify for standard auto insurance.

The Basics of Standard Auto Insurance

Standard auto insurance is the basic or lowest level of coverage available from an insurance provider. The regulations in most states require a driver to carry liability insurance and will determine the exact dollar value of coverage needed. Liability insurance will cover bodily injury and property damage claims resulting from an accident that is primarily the fault of the insured individual. This insurance covers the expenses of only the other driver or property owner who received damage due to the error of the insured driver. Auto liability insurance will not cover the policyholder driver.

In addition to standard auto insurance, other types of insurance, such as comprehensive and collision, may be available at an additional charge to the standard policy. These coverages offer extra protection for the policyholder. Collision insurance reimburses the insured for damage sustained to their personal automobile due to the fault of the insured driver. Many drivers have this type of insurance as an extension of a standard policy. Comprehensive coverage is for damage to a consumer’s car from causes other than a collision, such as damage from a tornado, vandalism, collapsing garage, or dents caused by a run-in with a deer.

Also, it is essential to understand that most collision and comprehensive insurance policies have separate deductibles. As with all insurance, a deductible is an amount that the consumer must pay out-of-pocket before the insurance company pays.

How to lower car insurance?

Probably the best way to lower the cost of your car insurance is to get a quote from a broker.  A broker sometimes carries dozens and dozens of companies, so he or she can make sure you are getting the best rate with a solid company.  (You will want a company with a good record of paying its claims in a timely, hassle-free manner.) A popular broker website for auto insurance is  You will be prompted to enter some basic information. An agent will then compare quotes across the industry to find you the best match of high-quality company and low price.  If you still need a lower premium, consider your deductibles. The provisions of your policy called “other than collision” and “collision” come with a deductible option. You can save roughly 10% by going from a $250 deductible to a $500.  

Car insurance rates vary from zip code to zip code, and they depend upon all manner of other factors (e.g. your age, driving record, the kind of vehicle, etc.).  A broker with a number of companies is the best bet for getting the cheapest rate on your car insurance year after year. A popular broker website like will enable you to enter some basic information.  An agent will review this information and find the best deal for you. This is a professional insurance agent, so he or she can also make sure that you are getting the right coverage at the best price with the most reliable company.  

How to switch car insurance?

It is usually best to visit the website of a broker to switch your car insurance.  A popular website like will allow you to submit some basic information and get a quote.  This is probably the best way to go about it in that a large number of insurance companies will be compared for the best rate.  At some point in the process, an actual human being, a professional agent, will make sure that the company with the lowest rate is also a company that you can trust.  The agent can also help you choose the right coverage for your circumstances. But at the end of the day, such a broker can provide you the lowest rate with the best company for the money year after year, and that will save you the hassle of doing it all yourself.  A broker will be more than happy to do all of the work for you.  

Michael Cobzac
Michael Cobzac
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I bought a new car, explored a lot of insurance agencies through the Internet, and honestly I was confused and did not know which one to choose. So, I asked for information to my friends. Fortunately, one of my closest friends suggested me to apply to Pixel Insurance, and they offered me an affordable price. I was surprised that they speak my native language. So, with my positive experience with them, I would recommend them to my friends too.
Alina G
Alina G
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I had a great experience with the insurance agent from Pixel Insurance. I reached them a few days prior to my renewal and they were able to provide even a better price in comparison to the previous company. I received a quote within a few hours for my personal car insurance and even acquired the renter's insurance for a very affordable.
Ciprian M.
Ciprian M.
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Amazing company. Soltan took my info and asked me what I'm looking for and from here she went far and behind looking for the best solution, keeping me informed at my alternatives in order to get a better deal. Thanks
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