Peoria Illinois Auto Insurance

You’ve made a wise decision today to click through to this page. Ledbetter’s will get you a rate for your car insurance. But What’s Best: We have over 10 different companies we use to find you the very best coverage and price. No fly by night companies here. Looking for fabulous Customer Service? Look no further. We have the best service around with a local office you can walk right into for personal and friendly service. All our CSR’s are licensed, so they know what they are talking about too. We love seeing the all locals from the Peoria and East Peoria hood when they stop in for service. GET A RATE NOW! or just give us a ring a ding!.

1-877-901-5544 Peoria or East Peoria

Ledbetter Insurance has been providing auto insurance for Peoria, Illinois residents since 1988. We offer automobile coverage from minimum auto liability limits to high physical damage insurance on expensive antique autos. Preferred to High Risk. Combine your home and auto and save even more with a multi-policy discount. Several discounts are available, multi-auto, mature driver, safe driver, good student and more.


Auto Insurance is a service designed to provide you financial protection in the event that an accident happens with your vehicle. In most states, it is unlawful to drive your vehicle while you are uninsured, and it is also unlawful for insurance companies to sell insurance in a particular state without being licensed by that state’s board.

Auto Insurance Premiums are the amounts you have to pay in order to be insured on a policy. You have to pay a premium to the company, and in return, the company pays for your valid losses when an accident happens while you carry the policy.

Auto Insurance Policies are written by insurance companies, also known as carriers, to state your coverages. The policy specifies what the carrier will pay in the event that you have a valid loss. Most auto insurance policies are written for a 6 month or 1 year term, and monthly payment arrangements are usually available at a slightly extra cost.

Types of Auto Insurance Protection

  • Property Coverage: pays for damages to your vehicle.
  • Liability Coverage: pays for your legal responsibility when bodily injury or property damage is inflicted upon another motorist.
  • Medical Coverage: pays for medical treatment of bodily injuries; lost wages and funeral expenses may also be accounted for depending on your policy.

Auto Insurance Policies can include both collision and comprehensive protection. Collision protection refers to covering damages that occured from a traffic accident. Comprehensive protection refers to covering damages that occured outside of a traffic accident: damages acquired from vandalism, severe weather, or even theft of your vehicle.

Types of Auto Insurance Agencies

An insurance agency represents one or more insurance companies for a particular local area. The insurance agent is the person who sells policies for the carrier, and the agent works as arbitrator between the carrier and the customer.

  • Captive Agents: work as employees to sell insurance from one carrier.
  • Independent Agents: work as contractors to sell insurance from numerous carriers, tend to sell other financial products, such as wealth management.
  • Direct Writers: insurance companies that sell insurance directly through some type of automated media, where there is no insurance agent available.

Things You Should Know About Your Auto Insurance Policy

What Are Deductibles?

Auto Insurance Policies tend to have deductibles, also known as excess payments. An excess payment tends to occur when you make a claim on your policy. You have to pay the deductible amount in order to get the rest of the damages paid for by your company. The higher your deductible amount, the smaller your premium payments will be: this means you will pay a lot more when an accident happens and pay less on your premium.

How Are Premiums Determined?

Auto Insurance Premiums are strongly based on your driving history, as well as several other factors like age, credit rating, and the vehicle itself you are insuring. Too many accidents and or traffic tickets in a 3 to 5 year period will significantly affect the cost of your auto insurance premiums.

Get your auto insurance quote now online, or call 1-877-901-5544