Tips & Resources

Insure On The Spot Editorial Team

Education

How Does Illinois Check If You Have Auto Insurance Electronically?

Illinois uses the Illinois Insurance Verification System (ILIVS) to electronically verify that registered vehicles have active insurance. ILIVS checks vehicles periodically—at least twice per year—and if coverage can’t be verified after a recheck, the state may send a notice requiring…

Safety

How Can Drivers Stay Safe During Motorcycle Season?

TL;DR: In 2023, around 6,335 motorcyclists lost their lives. It represented 15% of all U.S. traffic fatalities (the highest level in decades). If you’re worried about these gloomy statistics and want to ensure you don’t rear-end a bike, we…

Education

What Are the Best Summer Road Trip Driving Tips?

TL;DR: Summer brings unique challenges – more teen drivers on the road, holiday traffic spikes, and extreme heat can all increase accident risks. Generally, safety experts advise doing a tire and coolant check and never leaving kids or pets…

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Education

Do Red Light Camera Tickets Affect Insurance in Illinois?

Red light camera tickets in Illinois do not directly affect your auto insurance rates because Illinois treats these citations like parking tickets. They are civil infractions, not moving violations, so they don’t appear on your driving record. Insurers typically only…

Claims

My Parked Car Just Got Hit… What Can I Do?

If you discover your parked car has been hit, don’t panic. Take a deep breath and follow a few key steps to protect yourself and streamline the claims process: call the police, document the damage, and notify your insurance…

Tips

Can Potholes Damage My Car?

Hitting a pothole is common, but should you worry about car damage every time you hit one? Yes, because 1 in 10 drivers suffer vehicle damage requiring repair after hitting a pothole, with an average ~$600 repair bill (pothole…

Safety

What Are the Best Tips for Safe Driving in the Winter?

Driving in winter comes with its own set of challenges: icy or snowy roads, reduced visibility, and longer stopping distances among the few. This article will prepare you to drive safely no matter the weather conditions, so keep reading! …

Coverages

What Should College Students Know About Car Insurance?

TL;DR: Car insurance can be costly for college students due to age and limited driving experience, but there are smart ways to save. They’re all listed down below for all you young drivers to make smarter decisions. (For guidance…

Uncategorized

Simple Ways to Keep Your High-Mileage Vehicle Strong

A high-mileage vehicle can stay safe and reliable well beyond 100,000 miles—many modern cars even exceed 200,000 or 300,000 with consistent care. The key? Routine maintenance, smart driving habits, and addressing small issues before they become big ones.If you…

Maintenance

How to Disinfect a Car Interior Without Damage

To safely disinfect your car’s interior without causing damage, use gentle but effective methods. A 70% isopropyl alcohol solution or a mild soap-and-water mix works well on high-touch surfaces like steering wheels, door handles, buttons, and seat belts. Avoid…

Uncategorized

When Is the Best Time to Buy a Car?

Ever heard that you should buy a car at the end of the month or year-end? There’s a reason why they’re considered the ideal times for purchase. Let’s find out more. (Looking for savings on insurance for your new…

Uncategorized

How Long Does It Take to Process an Auto Insurance Claim?

For most car insurance claims, expect the process to take approximately 2 to 4 weeks on average. Simple cases (like minor damage or windshield repairs) may be settled in just a few days, while complex claims involving injuries or…