Hicks Insurance |

Car Insurance in Chicago

Car Insurance That Moves With You

Why Car Insurance Matters for Chicago Drivers

In a fast-moving city like Chicago, car insurance isn’t just about meeting legal requirements—it’s about making sure you’re protected from all of life’s turns, expected and unexpected. 

Between busy intersections, tight parking, and winter weather, your vehicle faces risks every day. Hicks Insurance Group helps local drivers get the right auto insurance coverage for their lifestyle, their vehicles, and the unique demands of city driving.

So whether you’re a daily commuter or someone who only drives on the weekends, we take time to understand your situation and recommend a personalized plan. Ready to explore your options?  Contact our team for a one-on-one conversation.

A Tailored Approach to Auto Insurance

From helping you understand deductibles to reviewing your liability limits, we walk you through every detail. Listen, this isn’t about selling you more than you need—it’s about giving you the peace of mind to drive with confidence. For more details on how our coverage works, visit our auto insurance page.

When to Revisit Your Car Insurance Policy

It’s easy to forget about your car insurance until something goes wrong. But reviewing your policy regularly can protect you from both gaps in coverage and unnecessary expenses. You should consider speaking with an agent if:

  • You’ve recently bought or leased a new car
  • You’re adding a teen or student driver
  • Your address or driving habits have changed
  • Your premiums have gone up unexpectedly
  • It’s been over a year since your last policy review

Even small lifestyle changes can make a big difference in your policy. Speak with an agent to make sure your current plan still meets your needs.

What Does a Car Insurance Policy Include?

A strong auto insurance policy is made up of several key components. At Hicks Insurance Group, we help you understand how each one plays a role in protecting you and your vehicle.

  • Liability coverage pays for injuries or damage you cause to others
  • Collision coverage helps cover your own repairs after an accident
  • Comprehensive coverage protects against theft, weather damage, and vandalism
  • Uninsured/Underinsured motorist coverage keeps you protected when others aren’t
  • Medical payments coverage provides help with injury-related expenses
  • Glass coverage offers protection for windshield and window repairs

Each plan can be customized based on how much you drive, where you park, and the value of your vehicle. We’ll help you build a policy that’s right for you.

Supporting Teen and High-Risk Drivers

If you’re adding a teen or college-aged driver to your policy, it’s important to understand the risks and make sure you have the right protection. Young drivers are statistically more likely to be involved in accidents—and that means higher stakes for parents and guardians.

We work with families throughout Chicago to build smart, affordable policies for young drivers. Our team also offers advice on creating safe driving habits, setting expectations, and even qualifying for good student and safe driver discounts. When you’re ready, get in touch with our team to review your options.

Why Choose Hicks Insurance Group?

For over 25 years, Hicks Insurance Group has helped Illinois drivers protect what matters most. As an independent agency, we work for our clients—not the insurance companies—which means your needs always come first. We offer personalized support, flexible policy options, and honest advice you can trust.

Whether you need full coverage, want to compare quotes, or simply have questions, our team is here for you. You can read real reviews from our clients to see how we’ve made a difference for other drivers across the state.

Highlighted Service: Umbrella Insurance for Added Protection

Extend Your Coverage Where It Counts

Even the best car insurance policy has its limits—and in serious accidents, medical bills and legal claims can quickly exceed those limits. Umbrella insurance steps in to cover the gap, offering extended liability protection that kicks in when your auto (or homeowners) policy maxes out. It’s a safety net that many drivers don’t realize they need until it’s too late.

Umbrella insurance is especially important for anyone with teen drivers, high-value assets, or a lot of driving exposure—common for professionals and families throughout Chicago.

Why Umbrella Insurance Matters

  • Covers Legal Fees & Settlements – Protects against lawsuits resulting from at-fault accidents
  • Extends Across Multiple Policies – Works with your home, auto, and other personal coverages
  • Affordable Peace of Mind – Substantial protection with a relatively low premium
  • Safeguards Your Future – Helps preserve savings, retirement, and financial stability

If you’ve never considered an umbrella policy before, we invite you to learn more about our umbrella insurance plans and how they pair with your auto coverage.

Get a Free Car Insurance Quote Today

When it comes to car insurance in Chicago, you deserve more than the generic. Hicks Insurance Group helps you stay protected with clear, customized policies and support from real people—not a call center. From you’re updating your coverage to starting fresh, we’ll make it easy.

Get a free quote online or contact us here to start the conversation. Prefer to talk to someone, phone-to-phone? Call us today at (708) 532-7474. With our agents and support, we’ll make sure your coverage is as smart and reliable as the vehicle you drive.

Have questions about our insurance?

Give us a call today and we can help.

Local Mokena Insurance Agency
Always Here For You, Wherever You Are
Hicks Insurance Group provides home, auto, life, and commmercial insurance services throughout Illinois including Mokena, Joliet, Orland Park, Tinley Park, New Lenox, Frankfort, Chicago, Naperville, Oak Lawn, and Cicero as well as the counties of Will, Kendall, Grundy, and DuPage.
Frequently Asked
Questions

If you are new to Hicks Insurance, you probably have some questions. Let's help you get some answers.

If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.
Generally, the other driver’s liability coverage will pay for medical expenses and repairs to your vehicle. If, however, the other driver’s insurance is insufficient to pay your costs, your uninsured or underinsured motorist coverage can step in to make up the difference.

If possible it is in your best interest to contact your agent first to discuss options available based on your situation. If unable to connect go straight to your insurance carrier to file your claim. You can file your claim either online or over the phone.

  • Your insurance company adjuster will reach out to you to gather detailed information about your claim.
  • The adjuster may come out to inspect your vehicle or property to evaluate the cost of damages.
  • You will work with your adjuster will get an estimate for the damages.
  • A check will be cut for that estimate.
  • If actual costs differ from the estimate, you and your insurance provider will address the difference. Generally, this means a supplemental check will be delivered to you.

If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.

Your business insurance needs are as unique as your business itself. While all businesses need certain types of coverage—general liability, business property, and workers’ compensation, for example—your other needs hinge on your type of business. If, for example, you use vehicles in your line of work, you need business auto insurance. Similarly, businesses that manufacture a product should consider product liability insurance. Talk to your agent to determine your exact needs.

Still have questions?
No worries - we're here to help. Get the reassurance you need and contact us today.
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In need of anything from car insurance to rental insurance? We have you covered.
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Ready to get started with your Commercial Insurance plan? You're in the right place.
Get Your Life
Insurance Quote
In need of anything from disability insurance to long-term care? We have you covered.
Get Your Personal Insurance Quote
In need of anything from car insurance to rental insurance? We have you covered.
Get Your Commercial Insurance Quote
Ready to get started with your Commercial Insurance plan? You're in the right place.
Get Your Life
Insurance Quote
In need of anything from disability insurance to long-term care? We have you covered.