History of Columbia, Illinois
The first white settlers to come to the area of Columbia, Illinois, were Frenchmen in the mid-17th century. They named the area in which Columbia was founded L'Aigle, which is French for "The Eagle."
In the mid-18th century, the British took over the territory until the Revolutionary War forced them out of the area. The colonial American settlers soon arrived and established the first permanent settlements in the area of Columbia, Fort Whiteside and Fort Piggott. Both forts were made out of log cabins and were used to protect against Indian raids.
In 1820, Columbia was plotted out as a town and built on bluffs 500 feet above sea level to protect against the flooding of the Mississippi River. Columbia is a poetic name for the United States.
Germans began immigrating to the area around 1833, with the majority coming in the 1840s. United States land agents had traveled to Germany to sell land to emigrating Germans. When the immigrants arrived in the United States, they traveled immediately to their own parcels of land.
Entering the United States through New Orleans, these Germans went up the Mississippi River to St. Louis, Missouri. They settled in the general region, including the Columbia area. The ground was not expensive, harvests were rich, and the climate was perfect for growing grain. German thrift, tenacity, and industriousness changed the character of Columbia from a pioneer settlement to a thriving community. The hard-working nature of the early immigrants had a direct influence on the town’s present prosperity.
In the early 19th century, the American landowners in the Columbia area often hired the German immigrants who were not landowners as farmhands. Money was short, so they were given land as payment. Soon, most of the land belonged to the Germans.
In 1859, Columbia was incorporated as a town as a result of the growth from German immigration. In 1868, the first railroad tracks were laid in Columbia, and the town continued to grow and develop. In 1927, Columbia became a city.
A notable feature of the community spirit was evidenced by the high level of Columbia’s interest in the St. Louis World’s Fair in 1904. With singular purpose, on September 22, 1904, all businesses and schools were closed and 1,000 of the 1,300 inhabitants of Columbia attended the World’s Fair on that one day. It set a record of attendance for members of one community to be at the Fair at the same time.
In 1959, Columbia's centennial was celebrated with a large community festival. In 1960, the Strassenfest ("street festival"), a three-day festival celebrating the German heritage of the community, was established. The Strassenfest became so popular that it had to be transferred to St. Louis in 1972, where it now attracts more than 100,000 visitors over a three-day period every year.
Today Columbia is a bedroom community with a population of about 10,000, mainly of German origin. Services and construction industry are the pillars of the local commerce.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
For more information about Columbia IL auto insurance, give Taake Insurance Agency a call at 618-281-7656.
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)