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Do Parking Tickets Increase My Car Insurance Rates?

Posted Thursday, September 08, 2016
Car insurance rates do go up based on certain things. Parking tickets are not one of them. However, how you handle your parking tickets can increase your auto insurance rates.

When Renting A Car Do You Need The Collision Damage Waiver?

Posted Thursday, September 08, 2016
Most people do not rent a car often enough to know what coverage they need and what coverage they do not need. They tend to rely on the renting agent to make sure they're properly covered.
The problem with this is you can often end up with double coverage. Here's how that can happen with the collision damage waiver.
First of all what is the collision damage waiver? This is optional coverage that would kick in so you do not have to use your own insurance policy deductible in case you're in an accident.
Most people who are renting a car also have a car that they are insuring themselves. If you're renting with a major credit card you probably do not need the collision damage waiver.
How do you know for sure if you're covered with your insurance policy, or through the major credit card you're using? Simply call up the credit card company and asked them!
Most peo...Read More

SR-22 Insurance – What You Need to Know

Posted Thursday, September 08, 2016

SR-22 insurance is a special kind of car insurance coverage which is necessary for certain kinds of drivers under special circumstances. We will review what this coverage is about in more detail and how it can be obtained.

SR-22 insurance is required for drivers who have had problems or circumstances which makes them higher risk than other kinds of drivers. A number of states have established requirements for SR-22 insurance based on a number of factors and circumstances. These can include the following:

Driving without insurance in states which require that all drivers carry a minimum amount of insurance coverage. Illinois is one state which is very strict about this requirement. So if you operate a vehicle in that state and do not have insurance coverage, you may be required to obtain this SR-22 insurance.
Driving while intoxicated or...Read More

Illinois Car Insurance

Posted Friday, September 19, 2014

Illinois Auto Insurance

Call us now today 
We provide full auto insurance service in the state of Illinois, with the same low cost insurance premiums as our Indiana customers.

Our business is helping you save money on car insurance. Take a few minutes to get a quote from us. If you like our low prices, you can also purchase an insurance policy today.

If you are currently insured with another provider but you think that you are overpaying, not a problem, switch to us and save $499 or more now.

Every Illinois car liability policy must include uninsured and underinsured motorist’s coverage. Illinois Minimum required limits are:

How Will A DUI Affect My Car Insurance?

Posted Sunday, July 20, 2014

Receiving a DUI conviction on your driving record is a difficult experience. A DUI conviction will often lead to higher insurance premiums for your car. How will a DUI affect my car insurance is discussed in this video.

Get Car Insurance With No License

Posted Sunday, July 20, 2014
You probably think it’s impossible to get car insurance with no license right? That’s exactly what most people think, but sure enough it’s the total opposite. There are a number of ways in which an unlicensed car owner can get car insurance cover for his vehicle and these include;
Having a chauffeur with a valid driver’s license. This is one of the most popular reasons as to why a person without a driver’s license can get purchase car insurance cover. The reason for getting a personal driver may be because of old age, health reasons or just one’s own preference. However the logic behind this arrangement is that since you are the owner of the vehicle you are hence solely responsible for putting the car under cover.
Being in possession of a drivers license that has been suspended .This is also an avenue used by many to purchase car insurance as a person will still want to keep his/...Read More

Auto Insurance Rates Wth A Teenager

Posted Sunday, July 20, 2014
Generally, many parents watch their kids learn to drive with trepidation. However, the stress of watching them become drivers is compounded by the financial shock as a result of adding a teenager to an auto insurance policy. 
Typically, the auto insurance rates with a teenager for a married couple with two cars pays an average of eighty four percent more for car insurance after adding a teenage driver to an existing auto insurance policy. Boys are usually more expensive compared to girls. 
Teen drivers on average always have higher auto insurance rates due to their immaturity and inexperience behind the wheel. Unlike experienced drivers, teens tend to make more mistakes and take many risks which translate to increased auto insurance rates.
There are several steps you can take in order to reduce premiums after the inevitable day when you have your teenager added to your auto insura...Read More

4 Common Auto Insurance Discounts

Posted Saturday, July 19, 2014
Most customers, while thinking of the best insurance coverage, think that the best coverage is the most expensive one. Sometimes that is true. 
But in some cases paying more is not always the way to get the best coverage. You can get maximum value for the monthly premium you pay by having a knowledge about the auto insurance discounts available in the market. 
The most common auto insurance discounts include:
1. Safe driver discount. Most insurance companies offer this discount to drivers who have a good driving record. It is a way of encouraging people to drive safely. With this discount you can save as much as 40% of the total amount you pay as premium.
2. Multi-car discount. This policy is offered to customers with more than one car. It is offered when a customer has a number of cars attached to one policy with the same insurance company.
Read More

Important Facts Explaining SR22 Auto Insurance

Posted Saturday, July 19, 2014
In case you are looking for an article explaining SR22 auto insurance this is the right article for you. This is a type of car insurance that is required for the problem drivers especially those who are convicted of a Driving under Influence (DUI). 
This kind of insurance will allow the problem drivers to have the minimum insurance requirements. There are some instances where a license is suspended due to DUI or the DWI offence. In order for the license to be reinstated, an SR22 form will be required. Therefore this is the right type of insurance cover for those people who are likely to fall victims of DUI which is very common.
Generally this bond is meant to protect those who might have trouble associated with a problem driver. The vulnerable victims will be in a position to receive their compensation immediately. This is due to the fact that SR22 will allow them to collect their claims directly from the insu...Read More

Getting Vehicle Insurance With A Suspended License

Posted Saturday, July 19, 2014
Imagine getting vehicle insurance with a suspended license? Sounds difficult, right? 
No, you can still get auto insurance whether your license got suspended because you did not pay tickets,  you have a DUI offense, or any other reason.
Many states allow drivers to get car insurance with suspended licenses; however, you must contact your local DMV to know whether your state allows drivers with suspended licenses to maintain their insurance. One good solution is the SR22 which serves as proof for insurance. SR22 is usually sent to the Department of Motor Vehicle by your insurance company intended to get your suspended license to be reinstated as soon as the suspension period elapses.
Another option is to apply for a hardship driver’s license which will allow you drive your car. With the hardship license, you can then proceed to looking for an insurance company that offers cov...Read More

Auto Insurance Quote California

Posted Friday, July 18, 2014
If you live in California you will need an auto insurance quote. You can Google search that pharase or "car insurance quote, vehicle insurance California, motor insurance quote in California, and so on.
These refer to the amount it cost to purchase insurance for trucks, cars, motorcycles and any other vehicle that is used on road. The insurance purchased is mainly used to provide financial protection against bodily injury or physical damage that result from traffic collision. It also provides protection against liability that could arise from physical damage of the car.
Generally, it does not necessarily mean that the cheapest auto car insurance quote California is automatically the best. Typically, many people would want to pay as little as possible for car insurance. 
However, this may result into missing out on coverage that is essential when making a claim on car insurance. For instance, in case yo...Read More

Pay Per Mile Car Insurance

Posted Wednesday, July 16, 2014
There are many things we pay as we go, but car insurance has not been one of them.
For example cable t.v. brought us HBO. Pay a little extra to get television programming no one else could get. Then it was renting VHS movies, followed by pay per video movies and events. If you were not interested you did not have to buy.
Now comes an interesting concept being tested in California by Metromile. They are bringing to the marketplace pay per mile car insurance products. 
Their thought is that people have changed the way they drive, but they are still being charged full price to insure their cars. According to U.S. Dot travel on all roads and streets dropped 3.1 billion miles in February 2013 compared to February 2012.
Metromile is proposing that people pay on a variable pricing model based on miles driven. Drive less then 10,000 miles a year and save around $500 a ...Read More

Vehicle Insurance Terms And Definitions

Posted Tuesday, July 15, 2014
In order to deal with your insurance agent or insurance company in a better way you should know the general insurance terms. You need not undergo any kind of formal training to get the insurance related terms into your head. 
Let's take a look at the glossary of vehicle insurance terms and definitions.
1) Adjuster - The person, who is hired by the insurance company, is responsible to investigate the insurance claim. After thorough evaluation, he settles the claims of policy holder.
2) Appraisal - It is process of evaluation of damages caused to vehicle by an accident as well as the value of covered loss. This estimation is done by a third person (may be a specialist who repairs vehicle). 
3) Assigned Risk Plan - Sometimes the insurance companies do not sell policy to those drivers who have poor driving records. In such situations, these drivers are assigne...Read More

Why Auto Insurance Company Ratings Matter

Posted Monday, July 14, 2014
Auto insurance is one of the most important factors in owning a car. Many people don’t want to get caught paying large premiums each month. Keeping track of auto insurance company ratings is essential to not getting caught in paying more then you planned on.
A lot of techniques used to keep track of auto companies is finding proprietary measures. Many track the company’s average premiums across several other states. You could research the company online and see if they’re too expensive. They also have ways of keeping track of how much it costs for late payment fees and premiums after an accident.
When people don’t know how to keep track of their payments, a lot of the time a payment plan is a viable option. Trying to set up a specific date each month you pay your bill can sometimes become a chore, having to go around other bills to pay and budget last minute. 

Florida Car Insurance Requirements

Posted Monday, July 14, 2014
The Florida requirements for car insurance are fairly standard. The primary Florida car insurance requirements is liability insurance. This insurance protects the driver or the owner of the vehicle in the event of property damage, injuries caused to another driver, pedestrian injuries, and passenger injuries. The liability acts a shield against high cost law suits.
There are two types of liability coverages. The first one is in the event of bodily injury, liability insurance will protect you against the cost of high medical costs and any work loss. Personal injury will also cover another driver of the vehicle driving the insureds car. 
Pip will cover the following persons in the event of an accident; members of your household, your child if riding a school bus, if you are a pedestrian or bicycle rider and are involved in an accident. Passengers in your automobile who do not carry their own personal injury insurance.
Read More

How To Obtain The Best Auto Insurance Quotes Dallas In An Effective Way

Posted Friday, July 11, 2014
When buying car insurance there are few things to be kept in mind, so you can maximize your benefits in the lowest price. It start with an auto insurance quote Dallas.
Know Your Requirements
Your policy choice depends on your requirements.
· If you frequently travel across states, then choose a policy that provides coverage in multiple states.
· Otherwise just buy a policy that provides coverage in Texas.
Explore All Options
· Research as much as possible before you decide to buy the car insurance.
· One of the easier ways to research the most, without stepping out of your house, is to go through all the options available online.
· When you visit insurance companies in person, you may not be abl...Read More

Getting The Best Auto Insurance Quote Alabama

Posted Thursday, July 10, 2014
Live in Alabama? Before you start shopping around, and gathering at least three of the most competitive Alabama auto insurance quotes online, it is in your best interest to balance the minimum coverage requirements by law in the state of Alabama with what you actually need in terms of liability coverage, depending on the amount of risk you feel yourself exposed to. 
Undoubtedly this is a subjective assessment and some drivers are more cautious than others when it comes to personal security while on the road and financial protection against potential ensuing financial liability. 
Insurance specialists recommend selecting an amount of liability coverage which is directly correlated with your number of personal assets, because if you are deemed responsible for causing a car accident, the injured party will typically ask for more than your policy can cover when you have multiple assets. 
Alabama ...Read More

Compare Vehicle Insurance Policies And Quotes

Posted Wednesday, July 09, 2014
We live in a world where we want instant gratification. Buying vehicle insurance does not provide any gratification until you need to use it. However, that does not make it in any lees important.
The thing to keep in mind is vehicle insurance will give you peace of mind. That is the instant gratification you get from making this type of a purchase.
Let's offer a few tips you can use to compare vehicle insurance policies and quotes to give you the peace of mind that comes with knowing you are adequately protected in case you ever do need to use it.
1. Your driving record. All vehicle insurance quotes are going to look at your driving record and use it as a basis of their risk to ensure you.
When you're getting an auto insurance quote you want to be honest and list all accidents, tickets, and so on. Although this will drive your premiums up, be honest...Read More

Who Invented Car Insurance?

Posted Tuesday, July 08, 2014
Did Ben Franklin invent car insurance? We know he invented the kite in 1752.
He invented insurance in 1751 when his Union Fire Company met with Philadelphia fireman and from that meeting came Philadelphia Contributionship the first successful fire insurance company in the colonies.
Of course cars were not even around then and nobody was insuring their horse and buggy. So who is credited with inventing car insurance?
Gilbert J. Loomis holds the distinction of being the first person to buy an automotive liability insurance policy in 1897, according to the Ohio Historical Society. The policy, which was issued in Dayton, Ohio, protected Loomis if his car damaged property or injured or killed an individual.
From that point on, auto insurance slowly started to become more comprehensive. The International Risk Management Institu...Read More

Minimum Car Insurance Requirements In Colorado

Posted Monday, July 07, 2014
Auto insurance is governed by laws that differ from one state to another. The minimum coverage of your car insurance is the most important law since it helps you to know the amount of claim that you can make. 
Having prior knowledge of the minimum car insurance requirements in Colorado gives you peace of mind when you are driving.
In Colorado the minimum limit is $25000 per person for injuries that are sustained and $50000 per accident if more than one person is injured. This insurance covers you when the other driver makes a claim and alleges that you were at fault.
Car insurance also contains property damage liability. This covers you when you damage property that belongs to someone else. Property that is covered includes another person’s car, houses and any other property. In Colorado the minimum amount is $15000 per accident.
Some drivers are not full...Read More

Comparing Car Insurance Rates For Cities In Colorado

Posted Thursday, July 03, 2014
Let's compare car insurance rates based on a handful of cities in Colorado. What are the cheapest cities to get car insurance in Colorado and which cities are the most expensive. 
We will report here based on a study conducted by Value Penguin. They found a variance of almost $1200 a year which is significant.
Fort Collins was the cheapest followed by Loveland. La Porte, Windsor and Longmont. In general the cheapest car insurance to be found is in the north part of Colorado in Boulder, Larimer, and Weld County. 
Fort Collins and Loveland are less then 15 miles a part. This is a fast growing area based on jobs as well as people who commute to Denver to work. If you have ever driven to Denver from Fort Collins you know how quickly you can be in a rush hour traffic sort of feel, so not sure why this is cheaper. Plus Fort Coll...Read More

Getting The Best Car Insurance Quotes

Posted Wednesday, July 02, 2014
With so many options available, choosing the best car insurance policy for you can be confusing. Knowing how to choose the right insurance quote can save you hundreds of dollars annually. Here are a few tips that can help you in choosing the best car insurance quotes in the market.
Compare Quotes From Multiple Insurers
It is important to compare more than one quote. Comparing quotes allows you to choose a policy that fully suits your needs. Experts recommend that you compare at least three quotes. You can either visit insurance companies to ask for quotations or simply use a quote comparison site to compare the quotes. Using a quote comparison site is fast and more efficient than walking from one insurance company to another.
Learn About Reputation Of Insurers
Before you choose your car insurance quote, it is important to ask about ...Read More

Car Insurance Myth About Full Coverage

Posted Monday, June 30, 2014
O.K. let's set the stage regarding a myth that is in some people's minds about car insurance.
You buy a new car and pay cash for it. You opt for full coverage because you want the ability to get a new car again if you are involved in an accident.
2 years later you are in an accident that will require several thousands dollars to fix. Time to replace that car with a new car and let the insurance money foot the bill.
Right?
Wrong!
Car insurance is designed to get you back to today, not 2 years ago. Your auto body shop is happy because you have full coverage. They are going to get paid to get you back on the road in the car you have insured. Not the new car you want!
Here is another important point.
When you are buying full coverage find out exactly what that means. What is included and what is not included. Thi...Read More

Finding The Right Car Insurance

Posted Tuesday, June 24, 2014
I want to show you how easy it is to find the right car insurance with these tips.
1. Get 3 quotes. There is no excuse for not getting competitive quotes. The Internet makes it easy.
2. Compare apples to apples. Make sure that the quote you are getting is comparing comparable features and benefits.
3. Choose the best deal. The best deal is not always pricing, but that certainly is important.
4. Check your credit history. If you've got any blemishes on your credit report get those cleaned up and taken care of before getting a quote. In the future pay your bills on time, and work at getting a better credit score so you can get a better car insurance quote.
5. Join an auto club. You may be eligible for a better car insurance premium if you're a member of an auto club.
6. Go with a name brand. Choosing a car insurance company that you've...Read More

Stay Home On Friday This Summer

Posted Friday, June 20, 2014
Here is an interesting fact. The most dangerous time to be on the road in the summer is Friday. 
Why is that?
For one thing more people are out driving in the summer. This increases on Friday.
The weather is better in the summer then it is in the winter. The roads are better as well.
Here is another thing to consider. It stays lighter longer in the summer thanks to daylight savings time. People are going to be out driving later. 
For another thing people drink and drive and they do it starting on the weekend. According to National Highway Traffic Safety Administration (NHTSA) 36 fatalities occurred per day on average in the United States as a result of crashes involving an alcohol-impaired driver.
It may not always be reasonable to think you're going to stay home on Friday during the summer. After all, the same reasons that...Read More