Auto Insurance, it’s required.

For some people, a car is almost an extension of their identity and says a lot about them. To others, it’s an object to get from point A to point B. There are a variety of coverages and companies of car insurance to choose from, based on your specific needs and I will make sure to find and apply every auto insurance discount and offer you the best policy to fit your needs.

In Illinois, drivers are required to carry auto insurance. That might be why you see so many ads for auto coverage. Many large insurance companies advertise low rates, but will their policies help you get back on the road in the event of an accident? There’s no such thing as one-size-fits-all auto insurance.

Liability Insurance

Your liability insurance must meet or exceed the state minimum requirement in order to be legal.


This coverage will help cover your costs associated with injuries or property damage to others resulting from a car accident you cause.

Uninsured Underinsured Insurance

Coverage must meet or exceed the state minimum requirement in order to be legal.


Uninsured/Underinsured motorists bodily injury coverage will help cover injuries to you and/or your passengers in a car accident with an uninsured driver, or a driver whose auto insurance limits are to low.

Collision Insurance

This coverage will pay to fix or replace your car if damaged or destroyed in an accident.


Also covers if you hit another car or a stationary object, like a bridge or a tree – it can also help if someone or something else hits your car.

Comp Insurance

This coverage help pay for repairs of non accident-related damages to your car, like vandalism or weather.


Coverage generally pays for events that are typically out of your control when driving – storms,
Fire, civil commotions, damage from impact with animals , broken windshield.

Medical Payments Coverage

Coverage generally pays for medical costs after you are hurt in a car accident, regardless of fault.


Medical payments insurance may help pay for: funeral expenses, injuries sustained by your passengers, injuries you sustain as a pedestrian or bicyclist after a car hits you.

HAVE QUESTIONS? I can help you. Contact me today for your FreeVIPQuote.


Auto Insurance

Why do I need Auto insurance?

If you own a car or truck, you need Auto insurance. Auto insurance covers you, your assets, and your passengers if you are involved in an accident. Auto insurance is also required by law in Illinois and most states.

It is important to decide how much and what kind of insurance to buy because most people need more than the minimum legal requirements. We can help you make these important decisions.

How much does auto insurance cost?

The price of insurance depends on many things. How much coverage are you buying? How old is your car? The area (zip code) you garage your car? How far do you drive to work? Your age?

The answers to these and other questions will determine how much your insurance costs. If you ever have a question about the cost of your insurance, I am available to discuss your options an provide you with the highest value for your insurance dollar.

“I am an Independent Insurance Advisor based out of Rockford, IL and licensed in the states of Illinois and Wisconsin.  I am proud to service the greater Rockford area – including: Belvidere, Marengo, Loves Park, Machesney Park, Freeport, Rockton, Roscoe, South Beloit, and Beloit (Northern Illinois and Southern Wisconsin).

I would appreciate the opportunity of helping you and your friends/family with all your insurance needs, including:

  1. doing a comprehensive review of your current insurance situation
  2. providing you with some competitive insurance quotes

I am ready and happy to help – Contact me today for your Free VIP Quote, Thank you.” – Oscar G. Castillo