Auto Insurance


Auto Insurance

Cara Sparks is Palatine's trusted American Family Insurance agent.

With American Family auto insurance, you're in the driver's seat! Pick your perfect coverages, pile on the discounts, get rewarded for your safe driving habits and so much more! See how we help you take control of what you pay at every step of the way.

Types of Car Insurance Coverages

At American Family Insurance, we’re about customizing your car coverage to meet your unique needs. Take a look at your options to start building a personalized policy that fits your life.

Car insurance coverage options include:

  • Collision Coverage - Were you T-boned, rear-ended or side-swiped in a car accident? Or did you do the same to someone else’s vehicle? This protects you against collision or rollover damages, no matter who caused the accident.
  • Comprehensive Coverage - This covers you for damage caused by accidents that don’t involve colliding with another vehicle or object — hail damage, fire, flooding, theft, vandalism, collisions with animals, etc.
  • Property Damage Liability Coverage - Did your car damage someone else’s property — like their car or mailbox? This helps cover it.
  • Bodily Injury Liability Coverage - If you caused a car accident that hurts someone, this helps cover their injuries. It also helps protect you if you're sued.
  • Medical Expense Coverage - If you were injured in a car accident, this coverage helps pay for medical care for you and your passengers, regardless of who is at fault.
  • Personal Injury Protection Coverage - This coverage helps reimburse you and your passengers for lost income and medical or child-care costs, no matter who is at fault.
  • Rental Reimbursement Coverage - Car down for the count after an accident? This coverage helps pay for a rental vehicle while your car is in the shop.
  • Underinsured Motorist Protection Coverage - This coverage helps pay when another driver causes more damage than his or her insurance covers.
  • Emergency Road Service Coverage - With the MyAmFam app, this inexpensive add-on to your auto insurance is just a tap away, getting you back on the road fast. You can also give us a toll free call.
  • Accidental Death and Dismemberment Coverage - This coverage helps pay in the event of death or certain injuries caused when a vehicle has been struck — regardless of who is at fault for the accident.
Not sure how much or what type of coverage is right for you? Just give the Cara Sparks Agency a call!

Number One - JD Power


#1 In Customer Satisfaction - American Family Insurance is proud to announce we’ve been named #1 in Customer Satisfaction with the Auto Insurance Shopping Experience Among Midsize Insurers in the J.D. Power 2021 Insurance Shopping Satisfaction Study. You asked us for a better way to shop for affordable auto insurance — and we delivered.

About the Cara Sparks Agency


Cara SparksI have been an insurance professional since 2010, and have a lot of experience building lasting relationships and protecting customers dreams. Our agency offers auto, home, life, business, farm/ranch, and other kinds of insurance tailored to fit your family’s unique needs. You can count on each and every member of my team to be honest, attentive and straight forward, and to always put your best interests first. Above all else, we are educators, advisers, and dream protectors.

OUR Insurance Agency

My team is here to serve. Our unique backgrounds, training and experience have prepared us well to help meet your insurance needs. Additionally, as residents of your community, we understand how important it is to be there for you - our trusted friends and neighbors. Together, we're building strong partnerships that help everyone succeed.

CALL US AT (847) 885-2043