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Common Insurance Questions


At Rueck Insurance we know that insurance can be confusing, that's why we are taking the time to answer 100 most frequently asked insurance questions and post the here on the Rueck Insurance Blog

We Hope that the 100 Frequently Asked Questions will become a valued resource for you when you need to make an informed insurance decision.

We know you are busy, that's why we took the time to also record the answer to each question and put them on YouTube in a video that is 2 minutes or less.

That means you can find the answer to your insurance questions in 2 minutes or less and get back to your busy day!

It’s our hope that you will find very useful answers to some common insurance questions while getting to know us a little better at the same time.

If you would like to discuss your insurance questions with us directly, please feel free to give us a call at (217) 355-9075 or you contact us via email here.

100 Frequently Asked Insurance Questions

Auto Insurance

1. Why do rates go up as the value of my vehicle goes down?

2.  What is the Difference between Collision and Comprehensive Coverge?

3.  Does Car Insurance Cover a Chipped or Broken Windshield?

4.  Does Car Insurance Cover Hail Damage? 

5.  Do I have Insurance when I drive my new car off the lot?

6.  Should I buy a 6 or 12 month Insurance Policy?

7.  If my Garage burns down, will my homeowners insurance cover the damage to my car?

8.   Do you need insurance for a rental car?

9.   I am borrowing a friend's I covered?

10. What do I need to get a car insurance quote?

11. Should I buy Gap Insurance for my New Car?

12. Does Insurance cover theft of personal property from my car?

13. Why don't All Insurance Companies Offer Accident Forgiveness? 

Home Insurance

1. Is Termite Damage covered on my Home Insurance Policy?

2.  Do I need Flood Insurance? 

3. Will getting a Pet Raise My Insurance Rate?

4. What do I need to get a Home Insurance Quote?

5. What is "other structures" property coverage on my Home Insurance?

General Insurance Questions and Terms

1. Why does Credit Affect the Price of My Insurance?


3. Why do I need to provide my Social Security Number to get an insurance quote?

4. Does how I pay for my insurance affect my rate?

5. What is Insurance Price Optimization? The Insurance Industry's Dirty Little Secret


Still can’t find the answer to your insurance questions?

We’re here to help. Click here to submit your question, and we’ll get you the answer ASAP!

There is no such thing as too simple or too silly a question. If you’re looking for the answer to whatever your insurance question is, we promise you there are others as well who are asking the same question.

Disclaimer: This article is for informational purposely only. There is no legal advice being suggested or proffered and the author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information.

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About Us

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

Contact Info

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075

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