Ride-sharing Car Insurance – Are you an Illinois Uber or Lyft driver looking for affordable insurance? The ridesharing industry is booming with more than 1.7 million Uber and Lyft drivers in the US alone.
While this may be good news for your wallet, you need to make sure you have the right insurance coverage as a rideshare driver. Without it, any claim you file may be rejected and you will be financially unable to do so!
Ride-sharing Car Insurance
Insured Soon, we make it easy to compare rates from multiple top companies. With just a few clicks, you can find the perfect rideshare insurance that fits your budget and needs. As on-call employees, we know you need reliable rideshare insurance that protects your passengers and keeps you safe on the road.
Rideshare Insurance For Uber And Lyft Drivers
For rideshare drivers in Chicago and across Illinois, finding the right policy can be difficult. Fortunately, our team of experienced insurance agents can help you find the right coverage for your needs at a budget-friendly price. Whether you need complete coverage or something more specific to your situation, we’re here for you!
Insured Soon, getting the rideshare insurance you need in Illinois is quick and easy. We offer free quotes that you can get in three easy ways – by text, phone or online!
To start your quote process, simply text us at (708) 233-4848, call us AT (800) 641-7488 or fill out our online form. Our experienced agents will help you find the best rideshare insurance that fits your budget and needs.
So don’t wait – get your free quote today and ensure the safety of you and your passengers on the road!
Uber Insurance And You
All rideshare drivers must understand the basics of rideshare insurance in order to be adequately covered and protected. At Insured ASAP, we have the answers to your questions about Illinois rideshare insurance. Our team can help you make an informed decision about what coverage you need and which companies offer it, discounts and more.
Uber insurance is a $1,000,000 liability insurance policy that provides coverage from the time you accept a ride request to the time you drop off your passenger. To know more about Uber insurance, click here for more information.
Lyft insurance offers drivers a 50/100/25 split liability limit that goes into effect when you accept a ride request and remains in effect until you drop off your passenger. For more information about Lyft insurance, click here for more details.
Yes, if you are an Uber or Lyft driver in Illinois, you must have appropriate liability insurance. In Illinois, drivers must carry bodily injury liability coverage of at least $25,000 per person, bodily injury liability coverage of $50,000 per accident, and property damage liability coverage of at least $20,000. Make sure your policy meets these requirements to comply with the law
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Not having rideshare insurance coverage while driving can have serious financial consequences. If you are involved in an accident and do not have rideshare insurance, you may be held liable for any damages.
If you launch your Uber or Lyft app but there are no passengers in the vehicle or a ride request is pending, their insurance will not cover your costs in the event of an accident. However, if you have a passenger in your car or are traveling to pick one up, some insurance coverage is available.
Drivers must have valid car insurance to participate in ride-sharing services like Uber or Lyft. However, you may need more than this coverage if you are involved in an accident in transit or on your way to pick up a passenger. To ensure you and your passengers are fully protected, purchasing the right rideshare insurance is essential.
If you drive for a rideshare service like Uber or Lyft, you risk having your car insurance canceled, not renewed, and worse, denying your claim if your insurance company discovers you’re driving for hire.
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Many car insurance policies expressly prohibit this activity by including a “rental exclusion” in their insurance contract. To ensure you are fully protected while driving, review your car insurance and find rideshare insurance that meets your needs. Insured ASAP makes it easy to compare rideshare insurance and get the coverage you need throughout Chicago and Illinois.
For this reason, if you already have car insurance, you may need additional rideshare insurance to ensure you are adequately covered. Without it, any claim you file may be rejected and you will be financially unable to do so!
Most insurance companies now ask if domestic drivers use their vehicles for ride-sharing services like Uber or Lyft. Failure to disclose this information may void or invalidate your policy.
It is not advisable to keep this information to yourself if you wish to fulfill your claim. Keep in mind that car insurance premiums may increase and drivers may be denied coverage. We offer rideshare insurance quotes in Chicago and surrounding areas. So contact us today to get started!
Does My Car Insurance Cover Other Drivers?
At Insured ASAP, we partner with numerous Illinois insurance companies to offer Chicago rideshare insurance to Uber and Lyft drivers. Our experienced agents will work with you to find the best insurance options.
As rideshare services become more popular, more insurance carriers are offering affordable coverage for Uber and Lyft drivers. With Insured ASAP, for example, rideshare insurance premiums in the Chicago area start at just $49 per month for liability coverage. This allows drivers to affordably stay protected and compliant with the law.
If you’re looking for rideshare insurance in Chicago or the surrounding area, contact Insured today as soon as possible! Our experienced agents will help you find the perfect, budget-friendly policy. By getting insured as soon as possible, you can be sure you’re getting the coverage you need without breaking your budget.
To start your quick quote process, simply text us at (708) 233-4848, call us at (800) 641-7488, or fill out our online form. Our team will contact you to assist you with your policy. So lock yourself up as soon as possible and rest easy knowing you’re safe! Rideshare insurance is a type of car insurance that increases a driver’s coverage and lowers his deductible for accidents that occur while driving for Lyft, Uber or similar companies. Without Rideshare insurance or a Rideshare add-on, a driver’s personal auto insurance will not apply while online with the app.
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Uber and Lyft offer comprehensive coverage when drivers pick up passengers and drive. However, they only offer liability insurance for drivers who wait for a ride request, creating a coverage gap. As a result, rideshare insurance coverage can help supplement Uber and Lyft insurance.
The best rideshare insurance companies offer widely available, inexpensive and deductible gap coverage. This coverage allows drivers to pay their personal insurance deductible instead of the expensive Uber or Lyft deductible.
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Progressive offers ride sharing in 40 states that drivers can add to personal auto insurance. In fact, Progressive specifically requires that customers purchase referrals when they drive for companies like Lyft or Uber.
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It’s also worth noting that Progressive pays drivers the difference between their Lyft or Uber deductible and their personal deductible. Ultimately, the company received a high rating of 3.9 out of 5 stars from editors due to its reliability and overall low price.
Traveler rideshare insurance is available in Colorado and Illinois, but the company does not release pricing information. Travelers also offers no gap deductible, meaning policyholders must pay Uber or Lyft’s deductible if they are involved in an accident while driving with a rideshare passenger.
Editors gave Travelers Car Insurance 4.2 out of 5 stars, noting its excellent coverage options and online claims reporting system.
Esurance rideshare insurance is only available in California, Illinois, and New Jersey, but it’s a good choice for those who can afford it. If a customer with Esurance rideshare coverage gets into an accident while driving for Uber or Lyft, they only have to pay their Esurance deductible.
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The company doesn’t disclose how much its rideshare insurance costs, but according to Personal Auto Insurance Information, Esurance’s premiums are generally affordable.
USAA rideshare insurance costs just $6 per month and is available in 42 states. The downside is that rideshare certificates do not include deductible gap coverage. Therefore, customers with USAA rideshare coverage will still have to pay a costly Lyft or Uber deductible if they are involved in an accident with a rideshare passenger in the vehicle.
Overall, USAA’s auto insurance is rated 3.5 out of 5 by editors The company’s premiums were among the cheapest of any major auto insurance provider, but its prices were low
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