According to the Insurance Information Institute, auto insurance is expected to rise an additional 4% this year. In just two years, between 2008-2010, rates jumped by 10%.

Insurance rates have continued to steadily increase over the past decade. By the end of 2011, rates will have gone up 31% since 2000. The national annual average in 2000 of $690 has risen to nearly $900 a year. Car insurance companies say policies are becoming more expensive as costs of vehicle repairs and medical expenses continue to rise.

Another factor in the hike is the growing number of motorists who are not insured. Nearly 16% of all drivers are not covered, which costs everyone, even with insurance, more money.

To make sure you’re getting the best price, quote comparison sites like Insure On The Spot make shopping around for car insurance easy. If you are looking to purchase car insurance, contact a Chicago car insurance agent of Insure on the Spot at 773-202-5060.

If you hit a deer, are you covered by your car insurance? If you have a comprehensive car insurance policy, your insurance will cover the repair costs to your car. October, November, and December are the three months with the highest car-deer related accidents because deer begin to migrate and mate in the fall.

Drivers with an older car may not think it’s worth forking over the money in high premiums with comprehensive coverage, but older cars (and used cars) have seen an increase in worth. Damage to your car after a collision with an animal may be worth the cost of a better protection policy.

Motorists who are renting a car and plan on driving through areas with dense populations of deer are encouraged to purchase lost damage waivers if they do not have comprehensive coverage. Lost damage waivers usually cost $9 to $19 a day and will protect you against any damage that may happen to the car.

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.

More and more auto insurance companies are adopting a new program, called pay-as-you-drive (or PAYD). PAYD car insurance will mold your policy depending on how many miles you drive.

Government officials and industry professionals are advocating for the new program because they hope it will encourage drivers to drive less. Driving less can reduce the number of car accidents and deaths, pollution, traffic, and possibly saving billions in economic costs annually. Several state and federal officials are urging more to participate in the PAYD program.

The Brookings Institute estimates that if all motorists had PAYD auto insurance, oil consumption would be reduced by 4%, carbon dioxide by 2%, driving by 8%, and save nearly $60 billion in economic costs.

If your are interested in learning more about the PAYD program while shopping for auto insurance, ask the companies about the kinds of policies available. Make your search quick and easy by contacting a Chicago car insurance agent of Insure on the Spot at 773-202-5060.