Tips & Resources

Insure On The Spot Editorial Team

Affordability

Cómo encontrar seguro de auto barato en Illinois

El seguro de auto en Illinois no es precisamente barato, especialmente si vives en Chicago donde los precios son de los más altos del estado. Pero la realidad es que no tienes otra opción, manejar sin seguro es ilegal…

License & Registration

What Chicago Drivers Should Know About the Illinois Motor Vehicle Department

In Illinois, the motor vehicle department is part of the Secretary of State’s office, not a separate DMV. That means Chicago drivers handle tasks like getting a driver’s license, state ID, or vehicle registration through local Secretary of State…

Legal

Can an Undocumented Immigrant Get Auto Insurance in Illinois?

Yes – undocumented immigrants can get auto insurance in Illinois. Illinois even provides a special Temporary Visitor Driver’s License (TVDL) for those without a Social Security Number, making it possible to drive legally and buy car insurance. The state…

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Uncategorized

Seguro de auto para no propietarios en Illinois

Tal vez vendiste tu carro pero todavía necesitas manejar de vez en cuando. O te quitaron la licencia y necesitas un SR-22 para recuperarla pero ya no tienes vehículo. O simplemente rentas carros o usas Zipcar y quieres estar…

Coverages

Does Uninsured Motorist Insurance Cover Hit-and-Run Accidents in Chicago?

Yes, uninsured motorist insurance can cover hit-and-run accidents in Chicago and throughout Illinois. When a driver flees the scene, insurance companies usually treat them as an uninsured driver. This means your uninsured motorist coverage can help pay for your…

Coverages

Does Auto Insurance Cover Pre-Existing Damage in Chicago?

No, standard auto insurance policies will not cover pre-existing damage to your car. Chicago drivers need to know that any damage from before your policy starts is essentially excluded. Auto insurance is designed to cover new accidents and incidents…

Coverages

Do You Need Special Car Insurance to Drive Internationally?

Do You Need Special Car Insurance To Drive Internationally? If you are a Chicago driver planning to go abroad, the answer is usually yes. Your Illinois auto insurance policy typically won’t cover you overseas, so you will need special…

Uncategorized

Por qué subieron mis tarifas de seguro de auto en Illinois

Abres tu correo y ves el aviso de renovación de tu seguro de auto, y el precio subió $40, $60, o hasta $100 más al mes. No tuviste ningún accidente, no te dieron tickets, y tu carro es el…

Uncategorized

Comparar cotizaciones de seguro de auto en Illinois

Comparar cotizaciones de seguro de auto puede ahorrarte cientos o hasta miles de dólares al año, pero muchos conductores en Illinois se saltan este paso y terminan pagando mucho más de lo necesario. La realidad es que las aseguradoras…

Education

What Is an Axle on a Car? Chicago Guide for Drivers

What is an axle on a car? It’s the shaft or assembly that connects your wheels and, on drive axles, transmits engine power to move the vehicle. In Chicago traffic and across Illinois seasons, axles (and CV joints) take…

Claims

How Much Does Car Insurance Increase After an Accident?

In Chicago and across Illinois, even a single accident can make your car insurance premiums surge. So, how much does insurance increase after an accident? On average, an at-fault crash could raise your rate around 40-50% in Illinois, while…

Claims

Top 5 Things to Do After a Fender Bender Accident in Chicago

Wondering about the things to do after a fender bender accident in Chicago? After a minor accident, first ensure everyone’s safety and move out of traffic. Then, exchange information, take photos of the damage, and file a police report…