Partnered Carriers
Flexible Coverage for Every Journey
Liability Coverage
The foundation of every policy, protecting you against third-party bodily injury and property damage claims after an accident.
Collision & Comprehensive
Repair or replace your vehicle following a collision, theft, vandalism, or damage from severe weather phenomena.
Commercial Auto
Robust protection for business fleets, delivery vans, and heavy trucks, covering multi-state travel and specialized cargo.
Uninsured Motorist
Provides critical financial protection if you are involved in an accident with a driver who has no insurance or insufficient limits.
Medical Payments
Covers reasonable medical expenses for you and your passengers after an accident, regardless of who is determined to be at fault.
Roadside Assistance
Peace of mind on the road with 24/7 support for towing, fuel delivery, flat tire changes, and lockout services.
Drive with Confidence
- Multi-State Coverage: Standard protection across state lines ensures you're covered wherever your journey takes you.
- Claims Advocacy: We provide dedicated support through every step of a loss, helping you navigate the process with ease.
- Flexible Limits: Customized policy options designed specifically to protect your high-value personal and commercial assets.
- Fleet Discounts: Competitive rates and tailored coverage solutions for business owners managing multiple vehicles.
Auto Insurance Explained
What does basic auto insurance really cover?
At its core, basic insurance covers liability. If you're at fault in an accident, it helps pay for the other person’s medical bills and car repairs, protecting your personal savings from lawsuits.
Illinois minimums vs. recommended limits?
Illinois requires 25/50/20 coverage. However, in Peoria, we usually recommend higher limits. Medical costs and high-end vehicle repairs can quickly exceed those state minimums, leaving you to pay the difference.
What is 'full coverage' and do I need it?
'Full coverage' typically combines Liability with Collision and Comprehensive. It covers your car if you hit something or if it's damaged by non-collision events like hail, theft, or vandalism.
How do deductibles affect my insurance rate?
Your deductible is what you pay out of pocket before insurance kicks in. Choosing a higher deductible (like $1,000) will lower your monthly premium, but make sure you have that cash set aside for emergencies.
How do I add a teen driver to my policy?
Just give us a call! We look for 'Good Student' discounts for those attending local high schools like Richwoods or Dunlap, and safety course rewards to help keep your teen's coverage affordable.
Does my policy cover me in a rental car?
In most cases, yes. Your personal policy typically extends its same coverage to rental vehicles in the U.S. and Canada. If you have full coverage on your primary car, you can often skip the rental counter insurance.
Am I covered if I use my car for work or delivery?
Standard personal policies don't cover commercial delivery or rideshare. If you're driving for Uber or DoorDash in Central Illinois, ask us about a rideshare endorsement to ensure you're protected while on the clock.
What should I do after an accident?
Ensure everyone is safe and call 911 if there are injuries. Exchange info and take site photos. Then, contact Blue Peak Insurance directly. We’ll personally advocate for you and guide you through the claims process.