How Car Insurance Works

 

Our team at Libertyville Kia wants you to know that we're are here to support all of your automotive needs. We offer a full selection of pre-owned and new Kia cars along with easy Kia financing, a state-of-the-art Kia service center and all of the automotive advice you may need. When it comes to driver's needs, something that we know a lot about it automotive insurance and the different types available to drivers in the Chicagoland area.

What Is Auto Insurance and Why Do You Need It?

Auto insurance is a requirement in most all states, especially if you have an auto loan or lease on the vehicle that you are driving. If you end up in an accident in your new Kia car, you and any passengers with you will need to have the type of safety net that auto insurance can provide. The insurance usually covers things like the auto repairs to either your car or the other driver's vehicle, depending on who was at fault.

Before car insurance became a necessity, it would be difficult for the victims of a car accident to get the compensation they needed for any vehicular damage or personal injuries. It can also be costly to pursue litigation, so it is far less expensive to invest in auto insurance coverage, which can give you added peace-of-mind at the same time.

Insurance Coverage Options

Whether you are driving a brand-new or pre-owned Kia car, there are insurance plans that you can tailor to your requirements and budget. At a minimum, you will need to have liability insurance, which will ensure the other party is compensated for any damages if you are at fault for the accident. Here are a few of your other coverage options, which we can discuss with you in more detail when you come into our Kia dealership in Libertyville, IL:

Collision - Covers damage to your vehicle if you are involved in an accident.

Medical expense payments - Helps to pay any medical expenses both for you and passengers.

Uninsured motorist - Gives you financial assistance if the other party involved is not insured.

The pricing on different coverage types can depend on things like the type of vehicle you have, your occupation, driving record, and more.

If you still have questions on automotive insurance, get in touch with us today at Libertyville Kia by calling (888) 722-0884, or stop by to see our team at 921 S. Milwaukee Avenue in Libertyville, IL. We can go over the best coverage options to help you when you buy or lease a new Kia Sportage or another model in our inventory.