Chicago Auto Insurance Experts

Having adequate auto insurance limits is serious business

Enora Insurance has got you covered. We can help you save big and get better coverage by comparing multiple insurance quotes

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What you need to know

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.

Because Enora Insurance is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

Coverage options to consider

From accidents and windshield damage to lawsuits and more, we have affordable insurance options to protect against just about anything. Get car insurance quotes online and customize your coverages to fit your needs.

Keep in mind, coverage offerings vary by state.

Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield, an animal you might hit, and so on.

Property Damage

Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses.

Un-insured & Under-insured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses.

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Woman getting the keys to her new car

Common Auto Insurance Rating Variables

Age

Insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.

Credit

Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.

Car

The type of car, engine size, safety features, etc.. are all part of determining the rate.

Driving History

Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.

Household

Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.

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Enora Insurance makes the process of finding the best company and price easy. We do all the heavy lifting for you!

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