Tips & Resources
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Summary / TL;DR: Yes, auto insurance can cover fire damage to your car, but only if you have the right coverage in place. Comprehensive coverage (part of “full coverage” car insurance) will pay for fire damage to your vehicle,…
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TL;DR: Yes, filing an auto insurance claim can increase your premium in many cases. Insurers often raise rates after a claim, especially if you were at fault, because a claim signals you’re a higher risk. How much your premium…
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Yes, insurance for electric cars is generally more expensive than for gas-powered vehicles. On average, EV drivers pay about 15–20% more for full coverage due to higher purchase prices, repair costs, and specialized labor. In 2025, the average monthly…
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Vehicle theft increased dramatically in recent years which led to more insurance claims. To offset increased payouts, insurers have had to adjust premiums which resulted in higher rates. So, yes, auto theft does affect insurance rates. But what if…
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Whether or not your car insurance covers rodent damage is dependent on what type of coverage you have. Read on to find out more about rodent damage and how to ensure your car is covered for future incidents. Should I be Concerned…
Coverages
Ever hit a pole with your car and wonder if insurance would cover the damage? The answer depends on what coverage you have. Collision insurance covers damage to your car, while liability covers damage to the pole. For guidance…
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Yes – damage from hitting an animal is covered by your car insurance, but only if you carry comprehensive coverage. This type of coverage pays for non-collision incidents like animal strikes, theft, fire, or falling objects. If you only…
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You should spend an amount on a car that comfortably fits your monthly budget and long-term financial goals. Most experts recommend keeping your monthly car payment around 10% of your take-home income, and your total monthly car expenses under…
Safety
If you hit a parked car in Illinois, don’t leave—try to find the owner, leave a note with your contact and insurance info, document the damage, and report it if required. Then notify your insurer quickly so the claim…
Education
No — car insurance companies don’t require an emissions test to start a policy. Emissions testing is a state requirement for vehicle registration, and Illinois can deny registration renewal if your vehicle doesn’t comply. Here’s how Illinois emissions testing works,…
Claims
A hit-and-run accident is when a driver leaves the scene without providing contact or insurance information—a crime in all 50 states. If you’re a victim, focus on safety, call the police, and document everything. Your car insurance can help…
Tips
Yes—you can get car insurance even if you’re unemployed. Car insurance companies generally do not base your rates directly on whether you have a job. Losing your job doesn’t automatically mean your premium will shoot up, and you won’t be…