The honest answer is that any amount of life insurance is better than none, and the best time to get it is now, while you're younger and healthier. To find a real number, add up your monthly expenses and the debts your family would have to keep paying if you passed away, like a mortgage, a car loan, or student loans. It's a hard question, but you don't have to answer it alone: call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

You can send your documents to our team without coming in: email them to [email protected], or text them to 217 441-BFIA (2342). If you don't hear back that we got them, or you're not sure which way is easiest, give us a call and we'll figure it out together. And you're always welcome to stop by our Springfield, IL office at 957 Clocktower Dr to meet the team.

Liability-only coverage pays for damage you cause to others: their vehicle, their property, and their injuries. It doesn't pay to fix your own car, so if you cause an accident or a tree falls on your car, that repair is on you. Illinois sets minimum required coverage, but the minimum often isn't enough to protect what you own, so we'll help you find coverage that fits your life: call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/.

"Full coverage" is really two separate coverages: collision and comprehensive. Collision covers your car when it hits something, like another vehicle, a stop sign, or a building, while comprehensive covers most other damage, like a tree falling on your car or theft. Because they're separate, you can often set a different deductible for each, and if your car is paid off you may be able to carry one without the other, depending on the carrier. Questions about either one? Call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/.

An accident with an uninsured driver can happen anywhere, even as a hit-and-run, and uninsured motorist coverage is what helps protect you and your passengers when the at-fault driver has no insurance. Whether damage to your own car is covered depends on your policy, so it's worth reviewing with us before you ever need it. If it happens, get all the information you can at the scene, take photos, and call our Springfield, IL office at 217-441-BFIA (2342) so we can help.

If you drive for Uber, Lyft, DoorDash, or another rideshare or delivery app, your personal auto policy may not cover you unless you've told your agent or carrier you drive for that purpose. Many personal auto policies exclude business use, which can leave a gap once the app is on, even though the app company may provide some coverage of its own at certain times. Ask us whether a rideshare or business-use endorsement is available on your policy so there's no gap: call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/.

An independent agency represents multiple insurance carriers, so instead of being tied to one company, we work for the families we serve. Staying with one carrier for years doesn't guarantee better rates the way it once did, so it pays to have someone local you trust who can find the carriers that want your business. Call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/.

Picture flipping your place upside down and shaking it out: your belongings that fall out are what a renters policy is built to protect against covered losses like fire or theft. Your landlord's policy covers the building, not your stuff, and renters insurance typically also includes liability coverage if someone gets hurt in your home. If you're renting without it, let's fix that: call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

There's no one right answer, but here's a simple guideline we like: if you couldn't replace the vehicle on your own right away, it's usually wise to keep full coverage so you have help paying for another one after a covered accident. If it's an older vehicle and your deductibles are close to what it's worth, carrying liability only may make more sense. We're happy to walk through your options: call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

First, save our number in your phone before you ever need it: 217-441-BFIA (2342). At the scene, take photos of the vehicles, the damage, the people involved, and the back of each vehicle showing the license plate, and exchange driver's license and insurance information with the other driver. Don't leave until you've exchanged information, made sure anyone who's hurt gets help, and, when required, reported the accident to police, and avoid discussing who was at fault. Then call our Springfield, IL team so we can help you start your claim. 

A deductible is the amount you pay out of pocket on a claim before your insurance pays the rest. Choose one you could comfortably pay if you had a claim tomorrow. A higher deductible usually means a lower premium, and we can quote a few options side by side so you can see the difference: call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

Term life insurance is what it sounds like: coverage for a set period that gets you through a temporary need, like student loans, a car loan, or a mortgage, so those bills don't fall on the people you love. Whole life is designed to last your entire lifetime, typically with a level premium and cash value that builds over time. Whole life usually costs more up front, but it stays steady. To talk through which fits your family, call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/.

Save our number in your phone so you can reach us fast: 217-441-BFIA (2342). Call us and we'll help you start the claim; the carrier then assigns an adjuster, who will contact you to confirm the details and set up a time to inspect the damage. How quickly that happens depends on the carrier and the claim, and whether you get a rental car, and when, depends on your coverage and on who was at fault. If you have questions at any point, our Springfield, IL team is here to help. 

If you don't already have auto insurance, you aren't covered when you drive off the lot. If you do, many carriers extend your existing coverage to a newly purchased car for a limited time, but how long varies by carrier and policy. That extension usually only matches the coverage you already carry, so if you're going from liability-only on an old car to a new car that needs comprehensive and collision, get it added before you drive away by calling our Springfield, IL office at 217-441-BFIA (2342) or starting a quote at https://www.baileyfamilyinsurance.com/getaquote/.

An uninsured motorist is a driver who has no insurance at all. An underinsured motorist has insurance, often just the state minimum limits, but not enough to cover the injuries from the accident. Uninsured and underinsured motorist coverage on your own policy helps protect you in both situations, so for the bigger picture, call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/.

First, check whether anyone is hurt, and call 911 if someone is injured or the police to report the accident. Exchange driver's license and insurance information with the other driver, then use your phone to photograph the vehicles, the damage, the people involved, and the back of each vehicle showing the license plate. Then call our Springfield, IL team at 217-441-BFIA (2342) so we can help get your claim started.

At Bailey Family Insurance (BFI), our mission is "Loving the Community through Protection & Education," and our team is made up of advisors and educators, not just salespeople. We take the time to get to know you and help you make informed decisions, so you're never just a policy number; you're part of the BFI family. We're proud of our over 1,000 Google reviews from the Springfield, IL community, because insurance may be what we do, but caring for people is who we are. Call us at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

Bundling your home and auto insurance often saves money, depending on the carrier, and it keeps things simple with one agent and one point of contact. We'll run the numbers both ways and show you what makes sense for your family. Call or text our Springfield, IL office at 217-441- BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

A certificate of insurance, or COI, is a document that shows proof of your business insurance coverage. Landlords, vendors, contractors, and other businesses often require one before you can start a job or sign a contract. If you're a Bailey Family Insurance client, we can usually get you a COI within one business day of your request: reach our Springfield, IL office at 217-441- BFIA (2342). 

We provide value at two key moments: when you become a client, and when you need to file a claim. As an independent agency, we compare multiple top-rated carriers to find coverage that fits what you actually need, at a price and value that make sense for you. When you have a claim, our team will help you report it and stay in your corner from start to finish, so call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

Buying online might feel faster, but when something goes wrong, you want a real person who knows your policy. When you call Bailey Family Insurance, you reach our own team, not a call center. Call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

General liability covers things like a customer slipping and falling at your business, or damage you accidentally cause to someone else's property. Professional liability covers claims that your professional advice, service, or work caused a client a financial loss. Depending on what your business does, you may need one or both, so if you're not sure, call or text our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

An umbrella policy adds extra liability protection above the limits on your home and auto policies. If you have assets to protect, it's worth a look. We can quickly tell you whether it makes sense for you: call or text our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/.

Despite the name, inland marine insurance generally covers business property that moves from place to place, such as tools and equipment taken to different job sites. For contractors and other businesses with valuable equipment that regularly leaves the business location, inland marine coverage can be an important part of protecting that property. If you'd like to learn more, call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/. 

A percentage deductible means your deductible is a set percentage of your home's dwelling coverage amount, not a flat dollar amount. For example, if your home is insured for $300,000 and you have a 1% deductible, your deductible would be $3,000. If you're comparing homeowners policies, make sure you check what your percentage deductible would actually be in dollars. If you'd like us to review your current policy or quote it with one of our top-rated carriers, call our Springfield, IL office at 217-441-BFIA (2342) or start a quote at https://www.baileyfamilyinsurance.com/getaquote/.