What comes with an auto insurance policy in Illinois?

In Columbia, IL, owning a car is a necessity to ensure that you are able to get around town. If you are in the market for a new vehicle here, you should also make sure that you are insuring it as well as possible. Auto insurance is often required by an auto loan provider and is a state requirement. When you do get a new auto insurance policy, it will include several different forms of insurance coverage that can make it a great investment for you.

Collision and Comprehensive Coverage

One type of coverage that you will receive will include collision and comprehensive coverage. When you get this type of insurance, it will give protection if your vehicle is stolen or damaged. This ultimately will help to ensure that you can repair or replace your car. Additionally, this type of coverage is normally required if you have an auto loan.

Liability Coverage

You will also receive an appropriate liability insurance policy. A full liability insurance policy will give coverage in the event you are at fault in an accident. If this does occur, your insurance policy can pay for damages that you cause including car repairs and medical bills. To drive your car legally, you will need to have this protection. 

As you are shopping for an auto insurance policy in Columbia, IL, it would be a good idea to get the guidance and support from a professional that you need to choose the right policy. A great resource to help you pick the right policy to meet your needs is the team at Taake Insurance Agency. If you do work with Taake Insurance Agency, you will get to learn more about the benefits of this valuable form of insurance. 

What You Should Know Your First Time Buying Auto Insurance

If you’re a new driver in Columbia, IL, buying insurance may seem confusing at first, but it’s not so tricky once you wrap your head around it. There are just a few things you’ll need to keep in mind:

  • "Full coverage" breaks down into three basic categories: Liability, which covers the damages if someone else suffers injury or property loss and you are held responsible, collision, which includes your car in the event of a collision, and comprehensive, which covers your vehicle if it is damaged outside of a traffic accident.
  • Liability is required by law for all motorists. Comprehensive and collision are optional, but necessary if you want your car to be covered.
  • Prices can vary wildly. The same policy may cost two, three times as much from one insurer to the next. You’ll want to shop around and compare quotes. At Taake Insurance Agency, we can help by comparing a lot of different offers for you.
  • Ask about discounts. A first-time insurance-buyer is going to spend more than someone who’s been on the road for a few years, but discounts can make a big difference.
  • Higher deductibles mean lower premiums. You don’t want a deductible that’s higher than you can pay at a moment’s notice, but a higher deductible will have you paying less from month to month.

If you have any questions, give us a call at Taake Insurance Agency, and let’s see what we can do for you. We can help drivers in Columbia, IL get a good deal on an excellent policy, whether you’ve been driving for years or you’re just getting started. So call, send an email, or stop by our offices.

Should I get an Illinois auto insurance policy?

For people that are in the Columbia, IL area, having a car is usually a necessity. A vehicle makes it much easier for you to get around town and to and from work. If you are thinking of purchasing a car in Illinois, you do need to consider your auto insurance needs. There are several reasons why you should acquire an auto insurance policy on your vehicle.

Allows for Compliance

The first reason why you should get auto insurance is that it will allow you to comply with all agreements and regulations. The state of Illinois will require that all people have a liability auto insurance policy if they want to drive their car on the state roads. Those that do not have this level of auto insurance could face penalization and loss of their driver’s license. 

Protects Your Assets

While you will want to have auto insurance to comply with the state law in Illinois, it can also be beneficial because it will help to protect your assets. A car is a very big purchase and losing it due to theft, vandalism, or an accident could be very devastating. Fortunately, when you get a full auto insurance policy with comprehensive and collision coverage, you will receive coverage for virtually any situation that would cause a loss. 

There are many reasons why you should research auto insurance for your Columbia, IL vehicle. When you are shopping for a new insurance policy, you should call the team at the Taake Insurance Agency as soon as you can. When you reach out to the team at the Taake Insurance Agency, it can ensure that you have all of the auto insurance you need with reliable service and protection.

Should Teen Drivers Have Their Own Insurance Policy?

Since teens have begun to drive, guardians have wondered whether to add them to the existing coverage or give them a policy of their own. There are many points to consider when weighing the options. One of the most critical aspects to consider is the cost of the coverage.

Adding A Teen Driver

Insurance covering a teen driver is a tricky subject. While most policies will allow the addition of a teen driver, some won’t cover them and require them to have an individual policy. When adding a driver, consider how it will affect the policy of the adult carrying the coverage. Learning how it can change the policy options is the first step to determining the answer to that question. The best way to approach the topic is to consult a licensed insurance agent to get all of the details.

Find Out The Details

Because there is so much to consider when adding a teen driver, always consult with a trusted insurance company and ask an agent how it will affect the coverage and the policy. Once all the details are sorted, a well thought out decision can be made about auto insurance coverage. Those who have teen drivers in the Columbia, IL area should speak with an agent from Taake Insurance Agency to get more information to help guide them.

Having coverage for a teen driver is essential because they are a higher risk for claims. Therefore, it is going to affect coverage already in place and may lead the policyholder to create a separate policy for them. Residents in Illinois should call or stop by Taake Insurance Agency in Columbia, IL for more details. 

Why Auto Insurance Policies Are Based on More Than Your Driving Record

It may seem maddening to have to deal with a never-ending list of questions when you first sign up for your auto insurance. However, rest assured that all your information is not going to waste. Learn more about why your policy is based on more than your driving record, and what you can do if you want to more control over your driving destiny. Keep these tips from Taake Insurance Agency in mind before you start calling around for quotes. 

Responsibility Matters 

Your credit score, your grades in school, your history with the armed forces: none of these things have anything to do with how well you drive. But some insurance companies see these things as a sign of your overall commitment to your responsibility. A person who pays their bills on time may very well be a dangerous driver, but chances are they take the right precautions to save themselves trouble on the road. 

Location Matters 

Where you live is a major factor when it comes to determining a person’s auto insurance rates. If you live in Columbia, IL, you already know that certain streets simply pose more danger than others. Whether it’s crime, congestion, or poorly displayed signage, some areas simply file more insurance claims than others. If you happen to live or work in one of these areas, this could affect your overall rate. 

Taake Insurance Agency is happy to serve the people of Columbia, IL when they’re in need of a reasonable policy. Give us a call today if you’re looking to discuss your policy with someone you can trust. We’re happy to answer your questions, so you can be confident in the level of coverage you choose. 

What Makes an Auto Policy Great?

Most people need a car to get around Columbia, IL. That means you also have to have car insurance. Choosing the right policy is as frustrating as it is intimidating, but it doesn’t have to be. There are a few things that change the value of a policy that is often overlooked by shoppers. A couple of tips from Taake Insurance Agency can help you better evaluate your options and get the best deal.


The simple fact is that you don’t need a policy that is identical to your neighbor’s. Everyone has different priorities. You might need to be able to accommodate teenagers who are learning to drive. Perhaps you engage in ridesharing from time to time for a little cash. There are so many factors that can impact how your policy should be customized that you want a policy and company that can adjust with you. Even in the digital age, not all companies and policies will be created equal in this.

Cost vs Coverage

We all want the lowest premiums we can get, but they don’t always come with the best coverage. The entire reason to have insurance is to make sure you aren’t on the hook if things go wrong. Too often, people only look at the premiums and not the true extent of the coverage. Does your policy pay on the value of your vehicle or on the cost of replacement? Sometimes, paying a little more each month is worth it if it can guarantee that you won’t be car-less after an accident.

If you’re still not sure which policy is the best, help is always available. You can speak with your Taake Insurance Agency representative serving Columbia, IL, and they will help you navigate. When you customize the right plan, you’ll find that car insurance doesn’t have to be so stressful.