Tips & Resources
Affordability
Yes, disabled drivers in Illinois can get affordable car insurance. The law prohibits insurers from charging higher premiums solely because of a disability. Under the federal Americans with Disabilities Act (ADA), insurance companies cannot discriminate based on a driver’s…
Claims
TL;DR: A car insurance deductible is the amount you pay out-of-pocket on a claim before your insurance covers the rest of the cost. For example, if your deductible is $500 and you have $2,000 in covered repair costs after…
Coverages
TL;DR: Divorce can impact your car insurance in Illinois by requiring each spouse to obtain their own separate policy after moving to different residences. Auto insurance policies are tied to the household, so once you and your ex-spouse establish…
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773-202-5060Affordability
After college, your car insurance will likely change, and you’ll need to adjust your policy. If you were previously covered under a parent’s insurance plan, it’s time to secure your own coverage. Graduating often means losing student discounts and…
Affordability
TL;DR: Yes – gap insurance (Guaranteed Asset Protection) is an optional coverage that pays the difference between your car’s actual cash value and the remaining loan or lease balance if the vehicle is totaled or stolen. In Illinois, gap…
Claims
Yes, you can file an insurance claim for a broken windshield if you have comprehensive coverage, but whether you should file the claim depends on factors like your deductible and potential premium impacts. Most auto insurance policies cover windshield damage…
Maintenance
Yes, you should maintain your car’s brakes regularly to drive safely. Key brake maintenance tips include having your brakes inspected on a regular schedule, replacing worn-out brake pads before they get too thin, keeping your brake fluid at the…
Coverages
Yes – but only if your policy includes the right coverage beyond your home port. Not all boat insurance automatically protects you wherever you go, so it’s crucial to understand your policy’s navigational limits. Many basic policies restrict coverage…
Coverages
Yes, car insurance can cover damage caused by a blizzard, but only if you have the right types of coverage. Comprehensive coverage on your auto policy will pay for non-collision damage from winter storms, such as a tree limb…
Safety
Yes, you can reduce unnecessary car trips by making smarter transportation choices. Opt for walking or biking for short errands, combine multiple stops into one trip, or use public transportation and carpooling for longer distances. Planning ahead, like mapping…
Safety
Yes, you can significantly reduce your risk of accidents at intersections by practicing defensive driving, staying alert, and following traffic rules. Always approach intersections cautiously by slowing down, obeying traffic signals, and double-checking for oncoming vehicles or pedestrians, even…
Safety
Yes, you can protect yourself from auto insurance scams by staying vigilant and informed. In Illinois, it’s crucial to verify that any insurance company or agent you engage with is properly licensed. Be cautious of offers that seem “too…