Barrington Insurance Associates

Connections® Auto, from The Hanover, is an exciting option for drivers. Hanover created an auto insurance product that will cover your needs through all of life’s stages — at competitive rates.

Whether you’re a single young professional, a parent of teenagers, or an empty nester, Connections Auto can put you on the road easily and affordably — with the peace of mind you will feel knowing that your auto insurance protection is tailored to your specific needs.

Hanover gives us the flexibility to make decisions and adjustments that perfectly fit your lifestyle. Hanover supports our expertise with powerful technology that:

Eliminates complicated forms

Accurately assesses your unique characteristics

Provides real-time price quotes and coverage recommendations

We use expertise gained from serving hundreds of customers with unique needs, we will guide you through coverage selections, limits, and deductibles tailored to your specific needs and circumstances. Working with us, you may find that you need a different level of coverage than you thought. Perhaps you’ll need higher liability limits, medical payments coverage, coverage for customized equipment, emergency roadside service, and more.

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Financial Ratings by A.M. Best

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Understanding your auto insurance policy

This article summarizes the major coverages and basic information offered by an auto policy to simplify the process of purchasing personal auto insurance. We encourage you to review your individual policy for specific details on coverages, terms, limits, conditions, and exclusions.

As you navigate through the process of purchasing and learning about your insurance policy, don’t forget about your most valuable resource. Barrington Insurance is able to offer you more than just the coverages you need at a competitive price.We make the purchasing and learning process simple and easy to understand.

Liability Coverage

Personal auto liability coverage pays others for damages and injuries you become legally responsible for because of a covered auto accident. This section of the policy is comprised of both bodily injury coverage and property damage coverage. Bodily injury includes medical bills, loss of income, or pain and suffering while property damage generally involves damage to someone else’s auto, but it would also include a building or any other property damaged in an auto accident.

Most states require mandatory liability insurance on motor vehicles. Your liability coverage will apply up to the limit of liability that you have selected. Certain items such as legal fees and defense costs will be paid in addition to your limit of liability. Remember that you will be held responsible for your obligations arising from a covered auto accident that exceed your limit of liability coverage.

The limit for bodily injury coverage is generally a split limit while property damage liability is generally a single limit. When you see $100/$300 for bodily injury coverage, this means that you have up to $100,000 of coverage for each person injured in an auto accident and the maximum amount of coverage for bodily injury arising from any one auto accident is $300,000. When you see $100 for property damage coverage, this means that you have up to $100,000 of coverage for damage to property arising from an auto accident.

Medical Payments Coverage

Medical payments coverage pays for reasonable medical expenses you and members of your immediate family sustain while in your vehicle or in someone else’s vehicle. It also applies to you and members of your immediate family if struck by a motor vehicle as a pedestrian. Finally, any person injured while occupying your covered auto is provided medical payments coverage.

This coverage is limited to medical treatment received within the first three years after the accident. A common limit of coverage for medical payments is $5,000 per person, but various limits of coverage are available. Each individual eligible for coverage can receive up to the full limit of coverage per accident regardless of the number of people injured in the accident.

Uninsured / Underinsured Motorists Coverage

Uninsured motorists coverage and underinsured motorists coverage are two separate coverages that provide you, members of your immediate family, and occupants of your vehicle with bodily injury coverage arising from a covered accident caused by a vehicle that maintains no insurance or has insufficient limits of liability to compensate for the injuries sustained. Both of these coverages compensate for bodily injury which includes medical bills, loss of income, and pain and suffering. These coverages do not help you to pay for the damage sustained to your motor vehicle or other property.

Most people maintain the same limit of liability for uninsured motorists and underinsured motorists coverage as they carry for their bodily injury coverage. Generally, the limit for both uninsured and underinsured motorists coverage is a split limit. When you see $100/$300 for uninsured motorists or underinsured motorists coverage, this means you have up to $100,000 of coverage for each person injured in an auto accident and the maximum amount of coverage arising from any one auto accident is $300,000.

Coverage for Damage to Your Auto

This section of the policy is often referred to as the physical damage section and includes both comprehensive and collision coverages. These two coverages provide reimbursement for the lesser of the cost to repair the vehicle or the full value of the vehicle. In addition to an insured vehicle, in some circumstances these coverages will also apply to a non-owned vehicle.

Comprehensive coverage, also referred to as other than collision coverage, includes damage to your covered vehicle caused by flood, fire, theft, hail, wind, vandalism, falling objects, contact with animals, or breakage of glass. Collision coverage includes damage to your covered vehicle caused by it striking or being struck by another vehicle or object.

These coverages are not required unless your vehicle is financed or leased. You can purchase both comprehensive and collision coverage for a vehicle or only comprehensive coverage. You will need to select a deductible for each of these coverages, which represents the amount of any loss you are willing to pay out of your own pocket before the insurance policy pays the remaining amount of a covered loss. By selecting a higher deductible, you will lower your policy premium but you will also be responsible to pay more money in the event of a loss.

Towing and Labor Coverage

This optional coverage will provide you with towing and labor costs you incur each time your insured vehicle or in some circumstances a non-owned vehicle is disabled. The disablement might occur for a variety of reasons such as mechanical or electrical breakdown, dead battery, flat tire, locking the keys in your vehicle, or running out of gas. This coverage is only available for vehicles that maintain comprehensive and collision coverage. You will be required to select a limit of coverage per disablement.

Transportation Expense Coverage

If you maintain both comprehensive and collision coverage on your vehicle, you will automatically receive up to $20 per day for the cost of renting a vehicle if your vehicle is temporarily disabled from a covered comprehensive or collision loss. This coverage is payable for no more than a thirty day period. You may elect to increase the per day limit associated with this coverage to $30, $40, or $50.

Auto Loan/Lease Coverage

Leased or financed vehicles with both comprehensive and collision coverage may elect to add auto loan or lease coverage. In the event of a total loss, your comprehensive or collision coverage will pay you for the full value of your vehicle and this coverage will pay you for the difference between the full value of your vehicle and the amount remaining owed to the bank, financing or leasing company.

Trip Interruption Coverage

This optional coverage is available for vehicles that maintain both comprehensive and collision coverages. In the event your insured vehicle is disabled more than 100 miles from home for more than a 24 hour period, you will be reimbursed for reasonable meals, lodging, and transportation expenses incurred up to $600.

Uninsured Motorists Physical Damage Coverage

This optional coverage is available for vehicles that maintain uninsured motorists coverage, but no collision coverage. In the event your vehicle is damaged by an uninsured motor vehicle, you will be reimbursed for the lesser of the cost to repair your vehicle or the full value of your vehicle. The maximum amount payable to you through this coverage is $15,000 and an automatic $250 deductible applies.

The best insurance Quotes from the most reliable carriers. Call 847-381-6030 for a Quick Quote Now.

From workday traffic to weekend getaways, your car takes you where you need to go. At Allied Insurance, we don't just insure your car. We ensure your independence.We offer flexible, affordable coverage options to meet the needs of every driver. In addition, you may qualify for a range of cost-saving discounts and credits. Plus, you can customize your policy by adding On Your Side® Rewards. Choose from:

Forgiveness

Accident forgiveness: An accident won’t increase your rates—even if it’s your fault (one every three years per policy).

Minor violation forgiveness: A minor violation/ticket won’t increase your rates (one every three years per driver).

Roadside assistance*

Basic: Towing up to 15 miles, fuel delivery, lockout, jump starts, flat tires, and membership discounts.

Plus: Basic package, plus towing up to 100 miles, trip interruption coverage, turn-by-turn directions, pre-trip map routing, and emergency messages. Services apply while driving any vehicle with any occupant from an Allied household (insureds and in-home relatives). *Roadside Assistance coverages and availability vary from state to state. Please contact your local independent agent for full details.

Good-as-new

New car replacement/GAP coverage: Gives you the money to buy a brand new car if you’re involved in an accident that totals your vehicle.

GAP coverage: Covers the difference when a settlement from an accident is less than the amount you owe on your vehicle loan. New car replacement ends at renewal when vehicle is 3 years old and GAP is added. GAP ends at renewal when vehicle is 6 years old.

Deductible savings rewards

Diminishing deductible: Sign up and get an immediate $100 credit on your deductible, then watch it drop another $100 for every year of safe driving (up to $500).

Total loss deductible waiver: If your car is totaled in an accident, you’re not responsible for paying your deductible.

Your car isn't just a set of wheels--it's part of who you are. At Allied Insurance, we understand that.

Whatever you drive, you have a lot riding on those wheels. It's your family and your peace of mind. Choosing the right auto insurance can help protect you from the risks associated with the road.

A Travelers Auto Policy Can Cover:

Learn more about Auto coverage. Savings for safety features and more

Along with our competitive insurance rates, you can get over 15 money-saving discounts and advantages based on factors like your car's safety features, such as airbags, anti-lock brakes and certain anti-theft devices, and even your school report card. Hybrid cars may qualify for further reductions.

You could also save up to 15% on your Auto insurance when you buy other Travelers insurance policies, like Homeowners Insurance, Umbrella Insurance and Boat & Yacht Insurance. *

There when you need us

At Travelers, we know how important it is for you to resolve an issue as quickly as possible. That's why our fast, efficient claim services are available 24 hours a day, 365 days a year.

Plus, in the event of a catastrophic loss or natural disaster, our industry-first emergency response vans are able to arrive onsite to help your community get back on its feet.

We also have a guaranteed auto repair program that extends throughout the United States, including a network of world-class auto glass repair shops that can service your car in your very own driveway.

Your car is loaded with options. Make sure your insurance policy is too. For more than 85 years, Safeco insurance has delivered new and better ways to protect cars and their drivers. Your local Safeco agent can set you up with the right coverage for the way you drive. And, if trouble comes along, we'll make sure you're taken care of every step of the way.

Combine and Save!

You can save up to 15% on your premium when you combine your home and auto policies as a Safeco Package. Additional discounts may be available if you add more policies, like motorcycle, watercraft, or umbrella.

When it comes to protecting what matters most, trust matters. Independent Safeco agents live and work in your community. They help people like you get the coverage you need at the right price. When you have a question, they're there for you. Work with a local Safeco agent today to get the best combination of coverage, value and price customized for you and your lifestyle.

Save Money Now. And Down The Road. With Safeco, you could recieve substantial savings and discounts if:

combine your Safeco Auto Policy with a Safeco Homeowners Policy - save up to 15%.

have a good driving record and drive a safe car.

insure multiple cars with Safeco and carry full coverage.

pay your premium in full at the start of every policy period.

Our Annual Auto Policy lets you lock in your policy for an entire year, helping you cut back on paperwork and avoid the hassle of mid-year policy renewals. Talk to a local Safeco agent to learn about all the ways you can save on your auto insurance.

Responsive Customer Service.

When you have a claim, we can take care of it. It's that simple.

24/7 claims service gets you back on the road quickly.

We promise to contact everyone involved in your claim within one business day.

There When You Need Us Most.

Our optional emergency assistance package provides help when you need it most:

Receive up to $100 for expenses if your car is disabled and up to $500 for meals, lodging and transportation in the event of accident that occurs more than 50 miles away from home.

Receive up to $500 for items that are damaged or stolen from your vehicle.

Roadside assistance included at no additional charge.

Safeco has more than 3,000 employees across the country dedicated to meeting the needs of people like you.

All Wadena Insurance personal auto polices automatically receive a group of additional coverages. The additional coverages include air bag replacement, new car replacement, lock replacement coverage, locked vehicle coverage, pet injury coverage, glass repairs, and guaranteed auto repairs.

All IMT/Wadena Insurance personal auto policies automatically include identity recovery coverage. This coverage provides you with $15,000 of identity theft insurance along with services to help victims restore their credit history and identity records.

Auto Insurance from Erie Insurance

Since 1925, people have been choosing ERIE to insure their cars and other vehicles because of our fair and competitive prices, but ERIE’s much more. We also provide:

* Highest levels of customer service for auto Policyholders

* Over 30 extra car insurance policy features

* Flexibility to customize your car insurance policy

* Stability that ranks at the top of the auto insurance industry

Auto Insurance Discounts

At Erie Insurance, we live by the same purpose our Founder, H.O. Hirt, did:

To provide our Policyholders with as near perfect protection, as near perfect service as is humanly possible, and to do so at the lowest possible cost.

We’re committed to keeping auto insurance rates as low as possible through disciplined underwriting. Erie Insurance further reduces your auto insurance premium by offering numerous discounts:

Auto Insurance Agents

ERIE’s independent insurance Agents will help you make important decisions about your auto, home, life and business insurance. They’re experienced, hard-working insurance professionals — as interested in you as they are in providing you with car insurance coverage.

At Erie Insurance, we realize each auto insurance policy sold is a promise of service. We use our own trained auto claims adjusters, ensuring that your car insurance claim will be settled quickly and fairly by ERIE personnel who know our ERIE auto insurance policy and understand how important service is to us — and to you.

Auto Insurance Coverage

ERIE’s auto insurance policy protects you against financial loss if you have a car accident. General types of auto insurance coverage include property, liability, medical, uninsured and underinsured motorists, comprehensive and collision coverage.

Get a 12-month auto insurance quote online or contact an Erie Insurance Agent for more information about ERIE’s car insurance options.

* Payment Plan

* Life Multi-Policy

* Youthful Driver

* Auto Accident Prevention Course

* College Student

* Driver Training

* Reduced Usage

* Safe Driver

* Multi-Car

* Age 55 or Over

* Passive Restraints

* Anti-Theft Devices

* Anti-Lock Brakes

* Multi-Policy

* Longevity

Since its founding in 1926, Kemper Car Insurance has maintained an exceptionally high quality of customer service, reliability and integrity. Even though Unitrin bought the company in 2002, Kemper was able to keep its name and still upholds the same values as it did when it first started.

Numerous Discount Programs

Kemper Car Insurance takes pride in their ability to provide the most competitive rates to their policyholders. Discounts are available by the dozen, including rate reductions for multiple cars, successfully completing a driver training class, maintaining a safe driving record, and even for college students who continually achieve high academic grades. If security and safety devices are either factory-installed or self-installed in the vehicle such as anti-lock brakes, anti-theft devices, automatic seatbelts, alarms or airbags, customers can also expect to receive a generous discount on their policies.

Exceptional Customer Service

Kemper Car Insurance strives to provide its customers with the highest level of customer service around. One of the few companies that still maintains this drive for customer satisfaction, Kemper enlists agents 24 hours a day to answer questions from both potential and current policyholders. These efficient and knowledgeable agents are also available to process car insurance claims at any time.

When Hurricane Katrina hit the Gulf Coast in 2005, Kemper was one of the first and few insurance companies to respond immediately—a true testament to the efficiency and dedication of this company.

The Hartford Helps You Save On Auto Insurance

Want auto insurance that’s affordable? How about auto insurance that you know will be there for you when you have a claim? Or auto insurance from a reliable company that’s stood the test of time? Discover Hartford insurance – automobile insurance from a 200 year old company…affordable, reliable, and so much more.

Auto insurance from The Hartford means great coverage at a great price. But Hartford insurance goes beyond just savings to get you more for your auto insurance dollar. Our automobile insurance is designed to keep your life moving. That’s why we offer innovative features and benefits not found with other auto insurance providers. Request an auto insurance quote today – and find out how you could be getting so much more out of your automobile insurance by switching to The Hartford.

Even when you’re injured in a car accident, the rest of life doesn’t stop. That’s why with our auto insurance coverage, we help pay for you to get assistance with cooking, cleaning, shopping, transportation and even yard work if you need it.

Lifetime Car Repair Guarantee

Get service you can rely on. If you choose one of the more than 1,600 authorized auto repair shops in our Hartford-approved network, we provide a nationwide guarantee on the workmanship of covered repairs for as long as you own or lease your vehicle.

No-Drop Promise

With The Hartford, once you become an automobile insurance policyholder, you’re assured continued car insurance coverage as long as you're able to drive and meet a few simple requirements.

24/7 Insurance Claim Hotline

Car accidents and breakdowns don’t just happen during business hours. Our auto insurance claim experts are available for you anytime, day and night, to escalate your problem and get you back on the road.

New Car Replacement

If you experience a total loss of a new car within the first 15 months or 15,000 miles after you purchased it, we'll pay the replacement cost of a new vehicle—the same make, model and equipment—with no deduction for depreciation.

Auto Insurance Upgrade Features

In addition to all the standard features we provide, you can get an automobile insurance quote with our Advantage Plus package that offers these additional benefits

First Accident Forgiveness

If you qualify for this benefit and you have a car accident, it won't count against you, and your auto insurance rates won't go up because of it.

Disappearing Deductible

Maintain a clean driving record, and we'll reduce your auto insurance collision deductible by $150.

Waiver of Deductible for a Not At Fault Accident

If a collision loss is not your fault, then why should you have to pay your auto insurance deductible?

$100 Deductible Waiver for Choosing to Use an Approved Repair Shop

Take your car to one of our authorized auto repair shops and we'll waive $100 of your auto insurance collision deductible.