Tips & Resources
Safety
By prioritizing safety and keeping a cool head, you can prevent a moment of anger from turning into an accident. In fact, nearly 80% of drivers report experiencing significant anger or aggression behind the wheel, so learning to control…
Education
In insurance terms, a car is considered “totaled” (a total loss) when the cost to repair it exceeds the car’s pre-accident value or when the damage is so severe that the vehicle can’t be safely repaired. In other words,…
Coverages
Car insurance premiums are set by assessing the risk an insurance company takes on to cover a specific driver and vehicle. Insurers evaluate a variety of factors – from your driving record and age to your location and type…
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773-202-5060Coverages
TL;DR: A DUI conviction in Illinois will significantly increase your car insurance rates, possibly even leading to policy cancellation. You will likely be required to file an SR-22 to reinstate your license, and insurance premiums could rise by up…
Coverages
Yes, car insurance covers hail damage in Illinois if you have comprehensive coverage. Comprehensive coverage protects your vehicle from weather-related damage like hailstorms, which are becoming more common in Illinois. Hailstorms have been on the rise, with Illinois seeing…
Coverages
Planning to drive a gold cart off private property in Illinois? You need insurance. This article will cover everything you need to know about golf cart insurance, why it’s needed, its cost, and how to save money on this…
Uncategorized
Yes, gap insurance can protect you from paying thousands out of pocket if your car is totaled or stolen and you owe more on your loan than the car’s worth. Gap insurance (short for “Guaranteed Asset Protection”) is optional…
Legal
Yes, you can get your license back after a first DUI in Illinois, but it’s a process. A first-time DUI offense will trigger a license suspension, and if convicted, a license revocation for at least one year. Illinois takes DUIs…
Coverages
Even if a tractor or farm truck is mostly used on your private property, carrying farm vehicle insurance is highly recommended to safeguard your investment. To learn what coverage you need (and what you don’t need), keep reading (or…
Safety
TL;DR: Every car should have a roadside emergency kit stocked with essential supplies to handle breakdowns, accidents, or weather disasters. Key items include a first aid kit, jumper cables, a flashlight (with extra batteries), road flares or reflective triangles,…
Coverages
TL;DR: No. Driving without car insurance in Illinois is illegal and can result in severe penalties. A first offense means a minimum $500 fine and a suspended vehicle registration until you show proof of insurance and pay a $100…
Maintenance
If your car has a dent, there are several repair options available, ranging from DIY methods to professional repairs. Minor dents can often be fixed at home with simple tools like a plunger or dent repair kit. For more…