Types Of Auto Insurance You Should Consider In 2025
Car ownership comes with responsibilities, and one of the most important is ensuring you have the right insurance coverage. In 2025, auto insurance has evolved to include both traditional protections and innovative add-ons tailored to different lifestyles. Bi County Insurance & Western Illinois Title provides auto insurance in Galesburg, Burlington, IA, Stronghurst, IL, Monmouth, IL, Oquawka, IL, Biggsville and surrounding areas.
Whether you’re driving a brand-new SUV, a secondhand hatchback, or even a vintage collector’s car, choosing the right insurance mix can save you money and stress in the long run.
Core Coverage Types
These are the foundation of any auto insurance policy and are often mandatory in many regions.
Bodily Injury Liability – Covers medical expenses and legal costs if you injure someone in an accident.
Property Damage Liability – Pays for damage you cause to someone else’s property, usually their vehicle.
Collision Coverage – Protects your own car if it’s damaged in a crash, regardless of fault.
Comprehensive Coverage – Covers losses outside of accidents, such as theft, fire, vandalism, or storm damage.
Uninsured/Underinsured Motorist (UM/UIM) – Steps in if you’re hit by someone without enough insurance.
Medical Payments (MedPay) or Personal Injury Protection (PIP) – Provides medical coverage for you and passengers, regardless of fault.
Optional and Specialized Coverages
Beyond the basics, optional add-ons can make your policy more comprehensive.
Popular Add-Ons
Zero Depreciation Cover – Ensures you receive the full claim amount without deductions for depreciation.
Roadside Assistance – Helps with towing, flat tires, or fuel delivery if you break down.
Return to Invoice Cover – Pays you the original invoice value of your car if it’s stolen or totaled.
Engine Protection and Consumables Cover – Shields you from unexpected repair costs beyond standard coverage.
Gap Insurance – Covers the difference between your car’s market value and loan amount if it’s totaled.
Rental Reimbursement – Pays for a rental car while yours is being repaired.
Mechanical Breakdown Coverage – Extends repair coverage beyond warranties, useful for new vehicles.
Umbrella Liability Insurance – Provides extra liability protection if damages exceed your policy limits.
Emerging Coverage Types in 2025
Pay-As-You-Drive (PAYD) – Premiums are based on how many kilometers or miles you drive.
Usage-Based Insurance (UBI) – Rates adjust according to your driving behavior, monitored via telematics.
Agreed Value Coverage – Designed for vintage or luxury cars, where the insurer and owner set a fixed payout value.
Should you have any questions, feel free to give us a call.