Tips & Resources

Insure On The Spot Editorial Team

Driving Local: Chicago Guide

What Major Road Construction is in Store For Chicago? (Top 10 Projects)

Chicago’s drivers are facing an unprecedented wave of major road construction projects in the city and surrounding areas. From expressway overhauls to bridge replacements, there’s a lot in store that could affect your daily commute. What major road construction is… Read More ›

Driving Local: Chicago Guide

Top 5 Major Illinois Road Construction Projects in 2025 for Chicago Drivers

Major Illinois road construction projects in 2025 are set to transform travel for Chicago drivers and motorists statewide. From resurfacing busy city routes to massive highway expansions, Illinois is investing heavily in safer, smoother roads. These improvements will boost safety… Read More ›

Vehicle Type Guides

Top 5 Most Reliable Long-Lasting Cars for Chicago Drivers

In Chicago’s stop-and-go traffic and harsh winters, owning one of the most reliable, long-lasting cars can save you headaches and money. Toyota and Honda models often top the list for durability, routinely reaching 200,000 miles or more with proper care.… Read More ›

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Education

Is Sliding on Ice an At-Fault Accident in Illinois?

Yes, sliding on ice and crashing is generally considered an at-fault accident in Illinois. Even if black ice or snowy roads contribute to a collision, drivers are expected to maintain control and adjust to the conditions. In a Chicago winter,… Read More ›

Education

Illinois Driving Test Requirements: Are You Due?

In Illinois, certain situations mean you’re due for a driving test – from getting your first license to renewing at an older age. Knowing when a road test or written exam is required keeps you legal on Chicago streets. In… Read More ›

Vehicle Type Guides

Car Air-Conditioning: How To Maximize The Cool in Chicago

Chicago summers often feel like an oven inside your car, so keeping your car’s air-conditioning efficient is key. Parking in the shade or under a covered spot lowers your car’s initial temperature by several degrees. Use a reflective sunshade if… Read More ›

Safety

How to Buy the Right Car Seat for Your Child in Chicago

When buying the right car seat for your child, focus on fit, safety, and ease of use. In Illinois, all children under age 8 must ride in an age-appropriate child restraint. Chicago parents and caregivers should select a car seat… Read More ›

Safety

Should You Only Use the Left Lane to Pass in Chicago?

In Illinois and Chicago, the left lane on multi-lane roads is primarily reserved for passing slower traffic. So, should you only use the left lane to pass? The short answer is yes. Illinois law generally requires drivers to keep…

Legal

10 Bad Driving Habits in Chicago That Are Also Illegal

Many common driving mistakes are both unsafe and illegal in Illinois. Bad driving habits that may also be illegal include speeding, texting behind the wheel, and running red lights. These actions break Chicago traffic laws and can lead to hefty… Read More ›

Tips

Rules for Riding Shotgun in Chicago: Front Seat Etiquette

Ever wondered who gets to ride shotgun? Rules for riding shotgun define who claims the front passenger seat, and how. In Chicago, the shout must be loud, timely, and fair! And whether you’re driving through Lakeview or taking a road… Read More ›

Coverages

Test Drive Insurance in Chicago: What You Need to Know

When test-driving a car in Chicago, most dealerships carry insurance on their vehicles, so you typically don’t need your policy. Illinois law even makes the dealer’s coverage primary during a test drive. That means if an accident occurs, the dealer’s… Read More ›

Vehicle Type Guides

10 High-Tech Ways Motorcycles Are Getting Safer in Chicago

Chicago’s motorcycle community can breathe easier thanks to powerful new safety innovations. Discover the High-Tech Ways Motorcycles Are Getting Safer on City Streets. These top 10 innovations – from anti-lock brakes to adaptive headlights – keep riders in control and… Read More ›