CHAMPAIGN, IL (Chambana Today) – Many drivers opt for the cheapest insurance policy available, often purchasing state minimum coverage online without fully understanding the risks involved. Rachel Smithenry, an insurance agent with over 20 years of experience at InsureChampaign-Hilb Group, cautions consumers about the potential dangers of skimping on coverage.
“People might think they have full coverage, but state minimum liability can run out very fast in a major accident,” Smithenry said. She explained that in a serious crash involving multiple injuries and high medical bills, minimum coverage typically only pays $25,000 per person — leaving the policyholder responsible for the rest out of pocket.
Here Rachel’s Ask the Pros interview here: ASK THE PROS: RACHEL FROM THE HILB GROUP INSURE CHAMPAIGN – Chambana Today
Smithenry stressed the importance of working with a knowledgeable agent who can explain coverage options and help avoid gaps in insurance. “When you buy online, you don’t have anyone to talk to, and you might miss important details,” she said.
At InsureChampaign-Hilb Group, located at 1817 S. Neil St. in Champaign, the team doesn’t just sell policies—they provide ongoing support, checking for coverage gaps and helping customers adjust their plans over time. Residents who are concerned they might be underinsured are encouraged to visit the office or call 217-356-3111 for a consultation.
“Your future will thank you for talking to a local agent,” Smithenry said.