Get the Right Auto Coverage at the Right Price.
Why settle for one-size-fits-all auto insurance when you can customize coverage to fit your needs AND your budget?
At Sparks Insurance, we'll help you choose the right levels of liability, collision, comprehensive, and medical coverage, along with valuable options like Emergency Roadside Service, Rental Reimbursement, New Car Replacement, and even Original Equipment Manufacturer (OEM) parts coverage.
Standard Coverages Include:
- Liability Coverage - Pays for injuries and property damage you cause to others in an accident. Required in most states.
- Collision Coverage - Covers damage to your own vehicle after a collision with another car or object.
- Comprehensive Coverage - Protects against theft, vandalism, weather events, fire, and other non-collision damage.
- Uninsured / Underinsured Motorist - Covers you if you are hit by a driver who has no insurance or insufficient coverage.
- Medical Payments (MedPay) - Pays medical expenses for you and your passengers after an accident, regardless of fault.
Optional Auto Insurance Coverages for Added Peace of Mind
Your auto insurance should do more than meet the minimum requirements. At C&D Sparks Insurance, we can help you explore additional coverage options that provide greater convenience, protection, and peace of mind. From unexpected breakdowns to replacing a totaled vehicle, these optional coverages can help you prepare for life's surprises.
Emergency Roadside Service
A flat tire, dead battery, or unexpected breakdown can happen anytime. With 24/7 Emergency Roadside Service, help is just a phone call away. Depending on your coverage, services may include towing to a nearby repair facility, battery jump-starts, flat tire assistance, emergency fuel delivery, locksmith services for vehicle lockouts, and limited roadside mechanical assistance. It's affordable protection that can save you time, money, and frustration when you're stranded.
Rental Reimbursement Coverage
If your vehicle is damaged in a covered accident or other insured loss, you shouldn't have to put your daily routine on hold while it's being repaired. Rental Reimbursement Coverage helps pay for a temporary rental vehicle, subject to your policy's daily and maximum limits. Depending on the policy, coverage may also help with alternative transportation expenses, including rideshare services, taxis, or public transportation.
New Car Replacement Coverage
A new vehicle can lose value quickly, making a total loss especially frustrating. New Car Replacement Coverage can help protect your investment by providing additional financial protection if your qualifying newer vehicle is totaled in a covered accident or other insured event. Rather than receiving only its depreciated value, you may qualify for benefits that help you purchase a comparable new vehicle, subject to eligibility requirements and policy terms.
Original Equipment Manufacturer (OEM) Parts Coverage
When your vehicle needs repairs following a covered loss, the quality and compatibility of replacement parts matter. OEM Parts Coverage helps make it possible to repair your vehicle using original manufacturer parts rather than aftermarket alternatives. These parts are designed to meet the vehicle manufacturer's specifications, helping preserve the quality and integrity of your vehicle's repairs. OEM parts are subject to availability and policy conditions.
Why Work With Sparks Insurance?
In addition to tailoring a policy to meet your coverage needs and budget. We'll be there when you need us—from filing your claim when you have one to assisting you with the adjustment process, so you can get your vehicle back on the road as quickly as possible. In short, we treat you like a friend and neighbor, because you are!
Frequently Asked Questions
How much auto insurance do I need?
At minimum, you need to meet Illinois or your other state's legal requirements for liability coverage. However, if you have a newer vehicle or assets to protect, higher limits and comprehensive/collision coverage are strongly recommended. We will review your specific situation and make recommendations based on what you actually need.
Can I save money by bundling policies?
Yes. We are usually able to offer significant discounts when you bundle your auto insurance with your home, renters, or condo policy. Contact us and we will check your bundling options across all carriers we work with.
What should I do after an accident?
Call us first. We will walk you through the claims process step by step and make sure your claim is handled correctly. Always document the scene with photos, exchange information with other drivers, and contact the police if there are injuries.
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