Securing Drivers Belleville and Swansea, IL
Auto insurance is an important form of protection for assets and against liabilities. It’s not ‘one-size-fits-all,’ contrary to popular belief, and is in fact detailed and unique to each policyholder. At Steck-Cooper & Co., we have a comprehensive auto insurance program through which we deliver individually-tailored, broad, and flexible auto insurance packages. These packages meet clients’ needs for the right prices and provide clients with the greatest possible value.
Specialized Coverages that meet your Needs
Coverages for auto insurance policies are often broad, but this does not mean that these coverages are easy to select. In fact, coverage selection requires in-depth knowledge of a policyholder’s driving situation, history, goals, and needs. For example, if a driver is better suited to purchasing coverage that protects against split liability rather than combined liability, then this is helpful to know. At Steck-Cooper we consult with each client in great depth in order to understand his or her needs and to be able to properly match these needs with appropriate coverage options.
The coverage options from which you can choose include:
- Liability Coverage
- Comprehensive Coverage
- Collision Coverage
- Uninsured & Underinsured Motorist Coverage
- Diminishing Deductible
- Accident Forgiveness
- Minor Violation Forgiveness
- Roadside Assistance
- Specialty Auto Insurance
- 24-Hour Customer Service
- Rental Reimbursement
- Medical Payments Coverage
Illinois has its own laws regarding the minimum auto insurance coverage limits that each driver can have, and every policy we write adheres to these laws. The minimum coverage limits required by the state are woefully low and protect against only nominal damages and injuries. For this reason, we strongly suggest to our clients that auto insurance with higher limits be purchased. Purchasing insurance with these higher limits not only protects clients more fully but only costs a small amount more than the most basic coverage.
As a Steck-Cooper client you can take advantage of numerous discounts and benefits. These benefits and discounts include:
- Claim free
- Good student
Working with Steck-Cooper to find the right Solution
We represent multiple carriers, and this gives us the flexibility to meet the needs of a wide range of clients. This is one advantage of being an independent agency and a reason why working with us is advantageous for clients. Another advantage of being independent, is that we’re able to devote our time and effort to acting in clients’ best interests without concern for the interests of an insurance company. Acting in clients’ best interests involves delivering the finest solutions, answering questions, helping keep coverages current, and managing risk and claims.
We’ve insured drivers for decades, so we know how to deliver the best solutions for drivers. We’re local agents, so we understand markets in Southwest Illinois and we know the needs of residents of this area. Our knowledge and experience enable us to find the right solution for each client and help us deliver this solution quickly and efficiently. We’re proud of this and we consider it an additional benefit of being a client of our agency.
At Steck-Cooper we’re proud to provide car insurance in Belleville, Swansea, O’Fallon, Fairview Heights, Shiloh, and Alton, IL. We also serve other areas in the state and we serve Missouri and other states as well.