Illinois Auto Insurance Coverage

Auto Insurance

Auto Insurance

Auto insurance is a financial cover that protects you for repairs, medical bills and legal services that you may face in the event of an accident. Beyond the legal requirement, automobile owners enjoy peace of mind when they know that they are financially covered in case the worst happens.

Dryden-Kamis Insurance Agency provides policies that meet the minimum state mandatory automobile insurance laws, as well as policies that cover most other situations you may, uh, run into. The independent insurance agents at Dryden-Kamis will be happy to sit down with you and review your needs and pair you with the policy that will also meet your budget.


The state requires that every policy must meet minimum liability coverage in case of an accident involving injury or death. However, should the accident result in severe injury, it is possible that you would be liable to pay the injured party anything over the bare minimum. It is a very good idea to have higher liability coverage in case of a more serious accident. Talk to your agent about sufficient liability coverage that will protect your personal possessions and savings in case of a high dollar claim.


If you have a loan for your vehicle, it is likely the lienholder will require you include collision on your insurance. In case of an accident resulting in damage to your vehicle, collision will ensure your vehicle is repaired and remains safe to drive.


This provides protection when no other party is involved. Examples include damage caused by hail, theft, vandalism or fire. You will be covered while driving if you hit a large animal, run off the road into water, or have your windshield cracked by a rock falling off a passing truck. Comprehensive guarantees that your insurance company will help you get your car to the shop, begin repairs and even reserve a rental vehicle without waiting. It is usually a very inexpensive add-on to your auto insurance, but you are likely to be glad (or wishing that) you had it. Set your deductible payment to one that works with your budget.

Youthful Driver

If your teenager just earned their license, it is important to protect your assets from the increased possibility of damage to your automobile or another vehicle. Youthful driver protection will help to cover unexpected expenses while the new driver is still learning the ropes. Give Dryden-Kamis Insurance Agency a call to discuss your automobile insurance needs today.

What’s Important when choosing an Auto insurance policy?

  • Having an agent who will watch your back, and who is old enough to drive.
  • Did you know?
  • 1. Premiums on auto insurance can be lowered as much as 50% or more by taking advantage of discounts.
  • 2. Seniors can get up to 10% discount by taking the safe driving course, which is usually available at the nearest senior citizen center.
  • 3. *Intelli-drive and Snap Shot or similar programs can result in up to a 35% discount on your Auto Insurance premiums.
  • 4. Some other discounts include - loyalty discounts – accident free discounts – multiple policy discounts – safe driver discounts – **anti-theft discounts – good student discounts – student away discounts – auto pay discounts – e-mail discounts – paperless billing discounts.
  • 5. That medical on your policy only covers you and the members of your family while in the insured automobile and normally pays after your health policy.
  • 6. The towing benefits may only tow you to the nearest facility capable of providing the service required.
  • *(Intelli-drive: Travelers – Snap Shot: Progressive)

    **(Anti-theft discount can be applied even if you just simply have your automobile’s VIN# etched on the windows)

Our Trusted Partners

  • AARP
  • Aetna
  • Allstate
  • American Modern
  • Amerilife
  • Appalachian Underwriters
  • Blue Cross and Blue Shield of Illinois
  • Cigna
  • Combined Insurance
  • Continental Life
  • Coventry Health Care
  • Equitable Life & Casualty
  • Foremost
  • Gerber Life
  • Grinnell Mutual Reinsurance
  • Health Alliance
  • Heartland National
  • Humana
  • IAC
  • Liberty Bankers
  • Medico
  • Mutual of Omaha
  • New Era
  • North American Life
  • Progressive
  • Prudential
  • Renaissance
  • Security Life
  • Sentinel Security
  • SilverScript
  • Spirit Dental
  • Thrivent
  • Travelers
  • United America
  • United Healthcare
  • United Mutual
  • United Security Health & Life
  • washington National