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Because ZIRKELBACH Insurance is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.
Looking for a car insurance comparison?

When most people think about auto insurance, they think about damage to their car. The truth is, auto insurance covers much more than just your car. Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful. 

You’re at risk literally every single day you get in your car. It’s important to understand what your coverage options are, not just for your car, but for you, and people who may be injured as a result of your negligence. 

You need adequate car insurance limits. 

If you’re involved in an accident, and found at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured. A lot of people don’t realize that having great coverage doesn’t necessarily mean having higher insurance premiums. The best part? It doesn’t cost you a penny more to use us. We get no override or fee. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy. 


No two insurance contracts are the same. While two policies side-by-side might look the same, the fine print behind the cover page can vary from company to company. This means you need someone who understands policy contracts. We can sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price. 


112 East Main Street

Ridgway IL 62979

Tel: 618-313-7001

Fax: 217-610-8000


Monday - Friday 

8:00 am to 4:00 pm

Evenings by Appointment

Important Auto Insurance Coverages 

Have you looked at your policy recently?  Do you know what coverages you’re paying for and what they mean?  

Let us explain the more important ones: 

Collision Coverage — this is the part of your policy that covers your car if you damage it as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc. 

Comprehensive Coverage — this coverage also protects your car, but in the event that something else damages your car that is not a fixed or moving object. These events include, theft, a rock that cracks your windshield while driving, an animal you might hit, etc. 

Property Damage — suppose you damage someone’s property in an accident, like a car, a house, a guard rail, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage. 

Bodily Injury Liability — this coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. We can help you decide what liability limits are right for you. 

Un-insured & Under-insured Liability — this coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with. 

Common Auto Insurance Rating Variables 

Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates. This is because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident. 

Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be. 

Car — determining your rate also depends on your type of car, engine size, safety features, etc. 

Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, multiple moving violations, or any accidents on record, chances are, you won’t get a preferred rate until those things are at least 3 years old. 

Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household and what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household. 

We have some great benefits and endorsements that can be added to your auto insurance policies such as: 
  • decreasing deductible  

  • accident forgiveness 

How to get started with your quotes

If you are looking for a car insurance comparison, we at ZIRKELBACH Insurance make the process of finding the best company and price easy.  We do all the heavy lifting for you! 

To get the process started, call our office directly, or click over to our Quote Form. With some basic information about your needs, we can get started on your policy review and comparison! 

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