Chicago Auto Insurance - Part 3

Coverage Types



Resources



Testimonials

"We love your fast, friendly auto insurance service at the Chicago offices."

Tracy B
Chicago, Illinois

"Your auto insurance Chicago staff is professional, efficient & friendly."

Ingrid Rubi
Arlington Hts, Illinois

"I appreciate all the different car insurance Chicago payment plans you offer."

Jason Schaurer
Palatine, Illinois

Uninsured drivers on the rise

Posted on September 13th, 2011 No Comments

Your chances of getting to an accident with an uninsured driver are increasing year after year, and uninsured drivers are costing Americans billions. An average of 13% of drivers nationwide currently do not have auto insurance and experts say that these drivers are more likely to cause serious accidents than those with insurance.

Another startling statistic is that Americans with car insurance are spending $10.8 billion to cover uninsured drivers in car accidents. Uninsured drivers cost those with insurance by increasing premiums. Residents in states with high illegal immigrant populations are more likely to share the road with uninsured drivers. One way to protect yourself is to make sure your auto insurance covers uninsured or under-insured drivers. While this may cost you more a month, paying for someone else’s medical and auto repair bills will cost you more in the long run.

If you are uninsured and are looking for affordable auto insurance, contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.

Worst intersections in Chicago

Posted on September 9th, 2011 No Comments

Allstate Insurance released their list of “Best Drivers in America” and, unfortunately, Chicago landed at 157 out of 200 cities studied. Fortunately, that is a ten spot increase from Chicago’s ranking in 2010 at 167. Residents know driving in Chicago can be a nightmare, so be cautious or consider alternate routes if your travels bring you to some of these troubling intersections:

- Damen, Elston and Fullerton Avenues: This six-way intersection is usually clogged with traffic backups and accidents. Now, construction is planned to improve driving conditions.

- Lincoln, Lawrence and Western Avenues: This area is full of cute little shops and restaurants that’s full of great German culture and close to Lincoln Square. Unfortunately, it makes it a traffic disaster.

- Intersection of 79th Street, Stony Island Avenue, and South Chicago Avenue: Red light runners have made this street top severalĀ  lists as one of Illinois most dangerous intersection. Red light cameras are installed, so if you’re in a rush and happen to run a red light, don’t be surprised when a ticket comes in the mail.

If you live in the Chicago area and are looking for affordable car insurance, contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.

Car insurance myths debunked

Posted on August 29th, 2011 No Comments

There are several car insurance myths out there can can cost you- either in fines, damages, or in unnecessary coverage. Here are some common car insurance myths that could save you money and headaches:

- Myth: You need to purchase coverage for rental cars. Fact: Your car insurance for your personal vehicle is applied to rental cars. Full coverage on your car will also provide full coverage on rental cars; if you only have liability insurance, then you will only have liability insurance on a rented vehicle. Make sure you review your insurance policy before you go to rent a vehicle so you know exactly what your insurance covers.

- Myth: Car color can affect your insurance rate. Fact: The color of your car does not help nor hurt your insurance rate. However, brighter colored cars are more likely to get pulled over. Getting a speeding ticket or other traffic citation within a certain time frame can make your premium increase.

- Myth: All polices cover theft or damages from natural disasters. Fact: Not all policies include these coverages. Basic liability insurance will not protect you against theft, vandalism, natural disasters, or animal collisions. Additional policies will need to be added in order to be covered in these types of situations.

If you or someone you love is looking to purchase auto insurance, please contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.

Lower car insurance rates for same-sex couples

Posted on August 23rd, 2011 No Comments

In states that allow same-sex marriage, civil unions, and domestic partnerships, couples can see a lower car insurance premium. Married couples usually pay around 10% less than single car insurance holders, and now some of the nation’s largest car insurance companies like Allstate and Statefarm are applying these reduced rates to same-sex couples.

According to statistics, married drivers are less likely to get in an auto accident. Gay couples who are younger than 30 can see a decrease in rates as much as 15%. Not all companies are applying the marriage discount, but the trend seems to be that more and more are adding it to their underwriting. Since Illinois allows civil unions, depending on your insurance provider, same-sex couples can see a discounted rate in this state.

If you or someone you love is looking to purchase cheap auto insurance, please contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.

The importance of auto insurance

Posted on August 16th, 2011 No Comments

In every state, driving with car insurance is the law. The repercussions if you are found uninsured, however, differs. But car insurance is more important that avoiding fines; car insurance protects your car and yourself.

In Illinois, you could pay $500 for a first offense and $1,000 for the third for driving uninsured. If you are in an accident with an uninsured motorist, a huge financial burden is created. In states that allow you to sue for damages, the process can take a long time recoup the costs. Insurance also protects your car from theft, vandalism, and severe weather damage. If severe injury or even death result after a car crash, car insurance can help cover the damages.

As you can see, auto insurance helps protect your safety and your car’s well being. If you or someone you love is looking to purchase auto insurance, please contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.

Factors that influence car insurance rates

Posted on August 9th, 2011 No Comments

There are many factors that go into your individual car insurance rate. Some are based on personal demographics while other factors are based on other people’s driving and criminal records. Car insurance rates vary from state to state, city to city, and person to person.

Here are a few factors that car insurers look at that could be affecting your rates:

- Crime rates in your city. If you live in a city with high crime rates, especially car theft or vandalism, the higher your premium probably is. Car insurance companies are more likely to charge you a higher price the more likely their customers’ cars are to be damaged and file a claim.

- Weather. If your area is prone to hurricanes, tornadoes, or floods, the more at risk your car is for damage (like crime rates) the more you may pay.

- The make, model, and year of your car. Older cars have out-of-date alarm systems and are also less equipped with the latest safety features, which poses a risk for you and passengers. Cars with high-powered engines are also more likely to have high rates because they are at a higher risk to receive speeding tickets.

- Driving history. If you often receive traffic citations or have been at fault for a car accident, car insurers see you as high risk. They can look back years on your driving history to determine your premium. However, the cleaner your driving history, the less your are likely to pay.

With all of the additional factors that can affect your car insurance rate, it is important to save money anywhere possible. To learn about affordable auto insurance, contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.

Uninsured motorists on the rise

Posted on August 3rd, 2011 No Comments

According to a study done by the Insurance Research Council, 1 in 7 drivers are uninsured. Experts believe the recession is to blame for the sudden spike. Even though Illinois has a mandatory insurance law, about 15% of Illinois drivers do not have car insurance.

Drivers in an accident with an uninsured individual should fill out the Illinois Motorist Report, which will document the accident with the Illinois Department of Transportation. If uninsured drivers cannot pay for the damages they cause, their license can be suspended until they can pay for the damages or if they fulfill something else required by the Safety and Financial Responsibility Law.

If you or someone you love is looking to purchase cheap auto insurance, please contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.

Teen driver can raise insurance by 200%

Posted on July 29th, 2011 No Comments

There’s no question that teenaged drivers are more likely to be in car accidents, but even ones with a clean driving record can drive car insurance premiums up by as much as 200%.

Of course, there are many factors that are dependent on insurance premiums. Driving history, location, and how much you drive affect the price. While families with teenage drivers in Michigan may see their premiums increase by 94%, those in Arizona could see theirs jump up 243%.

To soften the blow, make sure to shop around for the insurance company that’s right for you. Buying the right car also makes a big difference. Students with good grades could also receive a 10-15% discount.

If you or someone you know has a teenager and is looking for car insurance, call the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.

Poll finds Chicago has worst towing practices in the country

Posted on July 19th, 2011 No Comments

A poll conducted by the Property Casualty Insurers Association of America recently found that Chicago has worse towing practices than any other city in the country.

The poll found that towing companies in Chicago have the most unscrupulous practices by raising prices unexpectedly and adding additional surcharges and fees to vehicles that have been towed. Many people who participated in the poll said that the towing companies they dealt with made them feel like their vehicles were being held hostage.

Other cities that ranked in the poll were Philadelphia, New York City, Atlanta, and Houston.

With all of the additional fees that can pop up when owning a vehicle, it is important to save money anywhere possible, including on insurance. To learn about affordable auto insurance, please contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.

Drive Now-Text Later initiative promoted by Illinois tollway patrol

Posted on July 14th, 2011 No Comments

The Illinois tollway patrol has recently implemented a Drive Now-Text Later initiative in the hopes that Illinois drivers will stop texting and driving.

In a report issued by the U.S. Department of Transportation, it was found that 5,474 people were killed in accidents that involved distracted driving. Also, 448,000 people were injured in distracted driving accidents. Texting is a major factor of distracted driving because studies have shown that it has the same effect on drivers as driving while intoxicated.

The state’s campaign against texting and driving is spreading awareness of the issue, and many are hoping that the state will adopt a no-tolerance attitude towards texting and driving.

High-risk driver insurance is often needed by drivers who have caused an accident due to reckless or distracted driving. If you or someone you love needs to purchase affordable high-risk insurance, please contact the Chicago high-risk driver insurance agents of Insure on the Spot at 773-202-5060.

HOME    FREE QUOTE    SR22 FILING    CUSTOMER CARE    ABOUT US    OUR LOCATIONS    FAQs    CONTACT US    BLOG    ARTICLES    Log in
Copyright © 2009, Insure on the Spot.

Website Design and SEO provided by the Search Engine Optimization firm The Search Engine Guys.
SEO Powered by Platinum SEO from Techblissonline