Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email: dave@insuringchampaign.com

65 Tbird

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.

Not all classic or antique cars are used the same, so Rueck Insurance will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Here are some features you should look for when shopping for classic car insurance:

  • Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible.  This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.
  • Low Rates: Why pay full-time insurance when you driver your collector car only part-time.
  • Coverage Options: Not all collector cars are the same, so Rueck Insurance can work with you to determine the right amount of coverage to meet your specific needs. 
  • Generous Mileage: You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.
  • Roadside Assistance:  Whether you’re down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.

Do you need the insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk with Rueck Insurance today  to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs. Give us a call today at 217-355-9075

47 Studebaker Pick Up


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Life insurance is a crucial step in planning for your future. Not only can life insurance provide assurance for your family if you are no longer around, there are life insurance policies that offer benefits while you are living.

How much life insurance is right for you in Illinois?

Based in Champaign Urbana, at the Rueck Insurance Agency, we understand the life insurance needs of our customers.

The necessity of life insurance depends on your own personal and financial needs. At Rueck Insurance we assist and help you determine the type and amount of life insurance that is appropriate for you and your family. Generally, you should consider life insurance if:

  • You have a spouse
  • You have dependent children
  • You have an aging parent or a physically challenged relative who depends on you for support
  • Your retirement savings are not enough to insure your spouse’s future against a rising cost of living
  • You have a sizable estate
  • You own a business

Additional benefits of life insurance other than providing for your loved ones, in case something happens to you include:

  • The cash value earned and borrowed from a permanent life insurance policy can be used to help with large expenses, such as a college education or down payment on a home.
  • The growth of a cash-value policy is tax-deferred — you do not pay taxes on the cash value accumulation until you withdraw funds from the policy.
  • Life insurance can be used to cover funeral expenses and pay estate taxes — consult your tax advisor agent in Champaign for more information.

The right coverage for you in Illinois is unique – talk to us today at the Rueck Insurance Agency: 217-355-9075, and find out how to protect your family and your future with the right life insurance


Unfortunately far too often employer sponsored group life insurance programs are not adequate for your family’s protection in the event you pass away.

There are four very important questions you need to ask your employer about your group life insurance program…

  1. Is your policy transferable? When you retire, switch jobs or are laid off can you take your policy with you? Of course if your policy is transferable you would be responsible for making the premium payments since your current employer no longer would be making those payments. A personal policy stays with you no matter where you are employed.
  2. Are my rates locked in or do they adjust as you age? Many group plans will rate you in age groups (ages 40-45 for example), and you will see an increase in premium when you advance to other age groups. A personal plan would lock in your rates for a 10, 20 or 30 year term. There would be no increases due to age or medical conditions after the policy has been issued.
  3. What benefits are you actually getting? Does your employer provide 1 years salary? 2 years or another set number?  ($50K, $100K. etc) A personal plan is a set number that you determine
  4. What happens if you're sick and miss several weeks/months of work? I have heard horror stories of people becoming seriously ill and missing several months of work before they pass away. While they are sick they are not getting paid, and while they are not being paid neither is their life insurance premiums. Sometimes they policy is actually lapsed when they pass away leaving the family with no life insurance at all!

Once you have the answers to these questions it's time to sit down with a licensed insurance professional like those at Rueck Insurance 217-355-9075. We can help you determine how much life insurance you might need to protect your family after you pass. Life insurance rates have never been lower than they are today!

 


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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
dave@insuringchampaign.com

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