Insurance for You

Coming to an insurance website is boring, so we wanted to come straight to it and answer your questions to make this process easy.

How much does it cost?

Factors that affect price

Age

Driving Record (Auto)

Location

Previous Claims (Home)

Gender

Health History (Life)

Credit Score

(Auto & Home)

Type of Coverage

Example #1

To us coverage is most important, but this is about you and we know price is a huge factor to you, so . . .

We created an example of what the cost would be if your family was perfect. (If you are like our family your example will be on the next.)

The Perfect Family

Location: Centralia, IL
Credit: Perfect
Driving record: Perfect
Claims: Perfect and clean
Health History: Perfect
Smoker: No

Sample Prices for Different Types of Coverage

Home:

$92600year
  • Dwelling: $200,000
  • Other Structures: $20,000
  • Personal Property: $125,500
  • Loss of Use: $50,000
  • Personal Liability: $500,000
  • Medical Payments: $5,000

Auto:

$14300 month
  • Number of Drivers: 4
  • Number of Vehicles: 3
  • Bodily Injury: 100/300
  • Medical Payments: $5,000
  • Property Damage: $100,000
  • Collision Deductible: $500
  • Comprehensive Deductible: $500

Bob Perfect

$3696month
  • Baner Life – Term 20
  • Term (length) – 20 Years
  • Amount – $500,000

Jane Perfect

$2232month
  • Nationwide Life – Term 20  
  • Term (length) – 20 Years
  • Amount – $500,000

Example #2

This is an example of what the cost would be if your family was real and a little less than perfect (like most families out there).

The Real Family

Location: Centralia, IL
Credit: Average
Driving record: One Violation
Claims: One
Health History: Perfect
Smoker: No

Sample Prices for Different Types of Coverage

Home:

$19300month
  • Dwelling: $200,000
  • Other Structures: $20,000
  • Personal Property: $125,500
  • Loss of Use: $50,000
  • Personal Liability: $500,000
  • Medical Payments: $5,000

Auto:

$23900 month
  • Number of Drivers: 4
  • Number of Vehicles: 3
  • Bodily Injury: 100/300
  • Medical Payments: $5,000
  • Property Damage: $100,000
  • Collision Deductible: $500
  • Comprehensive Deductible: $500

Gavin Real

$4736month
  • Baner Life – Term 20
  • Term (length) – 20 Years
  • Amount – $500,000

Haven Real

$3523month
  • Nationwide Life – Term 20  
  • Term (length) – 20 Years
  • Amount – $500,000

What information do I need?
(Not required but helps get the best rate, quickly)

  • Current insurance information (has most of the needed info)

  • Social Security number of at least one driver

  • Vehicle Identification Numbers

  • List of drivers

  • Date of Birth of drivers

  • Drivers License numbers of drivers

Who do I call? (Not the Ghostbusters)