Tips & Resources
Coverages
Yes, you can insure an older car and even save money doing so. In fact, every U.S. state (including Illinois) requires at least basic liability insurance on any car that’s driven, regardless of age. Many owners of aging vehicles,…
Coverages
Yes, car insurance can cover storm damage, but only if you have comprehensive coverage. Without comprehensive coverage, standard liability insurance will not cover damage caused by hail, flooding, wind, or other natural disasters. To fully protect your vehicle from…
Affordability
Yes, it is possible to lower your car insurance premium in Illinois by taking strategic steps like comparing quotes, adjusting your coverage, and leveraging discounts. With rising insurance costs (Illinois drivers pay about $2,423 per year on average for…
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773-202-5060Coverages
When it comes to car insurance, understanding your coverage limits is crucial for making sure you’re adequately protected in the event of an accident. If you’re driving in Illinois or the Chicago area, knowing what your policy covers and…
Coverages
Insurance works differently for leased and financed cars. In this article, we’ll cover everything you need to know about how to get a leased car insured, and which coverages are mandatory. (For personalized guidance on insuring a leased or…
Coverages
As drivers get older, insurance premiums can rise, but seniors can still find affordable rates with the right approach. Insure on the Spot at 773-202-5060 offers tailored solutions for elderly drivers, helping them find the best coverage at competitive…
Affordability
Yes, it’s possible to get affordable car insurance for teenage drivers, and with the right approach, you can save significantly. Although premiums for young drivers are typically 50–100% higher than for older drivers, there are multiple ways to reduce…
Claims
Yes, not wearing a seat belt can impact your safety and your financial recovery after a car accident. Seat belts save lives – nearly 50% of people killed in Illinois car crashes in recent years were not wearing one.…
Coverages
Illinois law requires every driver to carry minimum auto insurance to drive legally. Specifically, you must have at least $25,000 bodily injury liability coverage per person, $50,000 per accident, and $20,000 property damage liability coverage. (opens in a new tab)Watch:…
Affordability
Yes, your credit score can significantly impact your car insurance premiums. Most auto insurers use a credit-based insurance score, derived from your credit history, as one factor to set rates. Drivers with lower credit scores are statistically more likely…
Maintenance
Is your ATV ready for the challenges of the trail? Before going on any off-road adventure, you might want to optimize your vehicle for best performance. This article will give you invaluable tips to keep your ATV maintained and…
Uncategorized
To file an SR-22 in Illinois, you must go through a licensed auto insurance company. In practice, you need an active car insurance policy, and then your insurer will submit an SR-22 certificate (proof of financial responsibility) to the…