Automobile Insurance – Ray Insurance Agency

Protecting the Drivers and Roads

of West Central Illinois

Your vehicle is more than just transportation — it’s your commute, your independence, and your connection to the people and places that matter most. At Ray Insurance Agency, we provide auto insurance for Mount Sterling drivers and rural families across West Central Illinois, offering clear guidance and real coverage that fits how and where you drive.

Whether you're adding a teen driver, updating your coverage, or insuring your first car, our team is here to help you choose a policy that makes sense — without pressure or confusing fine print.

What Does Our Car Insurance Cover?

Local Coverage from People Who Understand Your needs

At Ray Insurance Agency, We offer coverage options for cars, trucks, motorcycles, ATVs, and RVs — from basic liability to full protection. Every policy is tailored to your needs, vehicle use, and driving history. Your plan may include:

Liability Coverage

Required by the state of Illinois, this covers injuries and property damage you cause in an accident.


Collision Coverage

Covers repair or replacement of your vehicle after an accident, regardless of fault.


Comprehensive Coverage

Protects against theft, fire, vandalism, fallen trees, weather damage, and more.


Uninsured/Underinsured Motorist Coverage

Covers your medical and repair costs if you're hit by a driver with little or no insurance.

Medical Payments Coverage

Helps with medical expenses for you and your passengers after an accident, no matter who’s at fault.


We’ll walk you through what each option means and help you choose the right level of protection for your life, your vehicle, and your budget.



Frequently Asked Questions

Auto insurance isn’t one-size-fits-all — and knowing what coverage you really need can be confusing. Below are a few of the most common questions we hear from drivers in and around Mount Sterling. If you still have questions, just give us a call. We’ll walk you through it, without the jargon or the pressure.

  • Is liability insurance enough?

    Liability meets Illinois’ minimum requirements, but it won’t cover damage to your own vehicle. We’ll help you compare options and choose what fits your situation best.



  • Do I need collision and comprehensive coverage?

    If your vehicle has significant value or a loan, both can help protect your investment. We’ll walk you through when and why they’re worth adding.



  • How can I lower my car insurance premiums?

    Safe driving, bundling with home or farm insurance, and adjusting your deductible are all ways to save. We’ll help you explore your best options.



  • What’s the process to get a quote?

    Just call us at {{content_library.global.phone.phone}}. We’ll ask a few quick questions and can usually provide same-day quotes and comparisons — no pressure, just straight answers.