Frequently Asked Questions

Do I need to have auto insurance if my vehicle is paid off?

Yes, state insurance laws require all vehicle owners to carry auto liability insurance, which covers Bodily Injury Liability, as well as Property Damage Liability. The minimum required liability limits vary by state. Coverage for physical damage to your own vehicle is optional if your vehicle is paid off, but if your vehicle is financed or leased, your auto lender or leasing company will require you to carry this coverage.

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Answer a few simple questions & get quotes from leading insurance companies. We recommend coverages for your unique needs.

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Become an Enora Insurance client and manage your policies in our Client Center.

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We shop your policies automatically. If we find a better rate, we can switch your policy easily.

Representing the Largest Insurance Companies

We represent many of the largest companies in Chicago to offer a variety of policies and price points

American General Life
Erie Insurance
Federal Life
First Chicago Insurance Company
Founders Insurance Company
Lincoln Financial Group
North American
RLI
Universal Property and Casualty
USLI
Viva Health

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Request policy changes, add or remove vehicles, submit claims, change lender information, and more.

Customer Service Center
Manage your policies online with our Client Center
Manage your policies online with our Client Center

Insurance FAQs

What is workers’ compensation insurance?2022-06-05T12:14:14-05:00

Workers Compensation insurance is a required in almost every state. It covers the cost for benefits to employees with work-related injuries or illnesses, including medical, wage loss, and death benefits. Workers Comp is priced based on payroll and job classification. Depending on the size of your payroll, the classification of your workers and the state in which you do business, Workers Comp insurance costs can vary widely. Our agents are highly experienced in workers compensation requirements, coverages, and insurance availability. We also offer Experience Modification analysis, and can help with Return To Work programs and Case Management for larger businesses that have more complex Workers Compensation insurance needs.

What if I have a claim?2022-06-05T12:14:14-05:00

Generally, you will file your claim directly with the insurance carrier you purchase a policy through. We can help facilitate that and help along the way with communication between you and the insurance company. We’re in this with you!

What if I already have another insurance agent?2022-06-05T12:14:14-05:00

That’s okay! You can still get insurance quotes from Enora Insurance and leverage our expertise anytime. If we can do a better job, great! If not, at least you know your agent is working hard for you. Enora Insurance is a full service “digital-first” insurance agency, meaning we fully leverage technology to make the insurance experience better. If you want to take advantage of our Automatic Savings Program, and our streamlined self-service technology, we’d be happy to become your agent.

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Providing insurance in Illinois and surrounding areas

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording, details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.

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