Chicago Auto Insurance With Mechanical Breakdown Coverage
Reader question:
Should I add mechanical breakdown coverage to my Chicago auto insurance policy?
Luke
Thanks for asking, Luke.
There was a time a year or so ago when I would have killed to have mechanical breakdown coverage on my auto insurance policy. I worked about an hour away from home and had a terrible car that was always breaking down on me. I can’t count the times that I was stranded without a cell phone and quarters to call on a pay phone until someone noted my absence.
I think I would only recommend mechanical breakdown to be added to your automobile insurance policy if you’re in a situation kind of like that. For example, if you have a car that has a high risk of breaking down, and you’re far away from home very often or you live out in the middle of nowhere, and maybe you don’t have a cell phone or your city doesn’t have many taxis or public transportation. Otherwise, it might not be very necessary.
Mechanical breakdown coverage also covers a lot of things that your warranty already covers. However, if you have a car that is constantly breaking down, it might be a good idea. The only catch is that insurance companies that offer mechanical breakdown coverage don’t offer it for wear and tear, which is where most people are going to be breaking down. Take out wear and tear and you’re losing a whole lot of coverage right there.
Cheers,
Fashun Guadarrama.
Does A Man Pay More For Auto Insurance Than A Female
Reader question:
How come as a man I get a higher car insurance quote than a woman?
Jeff
Great question, Jeff.
This is the issue that my husband likes to complain about a lot despite the fact that my IL car insurance quote is higher than his anyway since I’m younger, but to each their own. It is true, though, that in general a woman will have a lower IL car insurance quote than a man, although it is most true when the man and woman are both under the age of twenty five. While there is still a gap going on past that age, it isn’t so wide and with discounts and shopping around, it’s actually very difficult to pinpoint at times.
So why is it that you’re paying more than the girl next door? Well, like anything else concerning an IL car insurance quote, it all boils down to statistics. As a gender, men, especially young men, are more likely to get into car accidents, especially serious ones, and thus file claims, be they collision or liability or whatever. Women, on the other hand, have relatively low rates of wrecking, and as such end up with the lower IL car insurance quote.
In the UK, this has been taken to the extreme to the point where there are car insurance companies that cater only to women. The funny thing is, though, that the rates from these companies are often higher than at the companies that sell policies to both genders. Kind of defeats the purpose, doesn’t it?
Anyhow, take this as a consolation: your IL car insurance quote will probably not be the way it is for long. Guys are actually getting in fewer accidents as the years go by, while women are getting in more. They still haven’t met in the middle, but it’s very possible that it may happen in the future to our detriment and to your gain. All power to you!
Cheers,
Fashun Guadarrama.
Car insurance in Chicago
Some areas in Chicago are dangerous, so if you want to get a good deal on car insurance, then it is necessary for you to make sure that you protect your car properly from theft. Most of the time, if you do this, then your company for car insurance will give you some kind of anti theft device discount. However, in order to get this discount, you have to get the right kind of anti theft device. The ones that come with discounts for car insurance in Chicago are often the most secure.
- Passive or active?
- A passive anti theft device is one that comes on as soon as you turn off the ignition. Most companies that sell car insurance in Chicago will only give you a discount for this type of device, because they don’t want to trust you with arming the device and possibly not doing it every time.
- An active anti theft device has to be turned on by you every time you leave the car. These are less secure and are usually not accepted by companies that sell car insurance in Chicago.
- What kind?
- An immobilizing device is the kind of anti theft device that most car insurance companies want to see and will give you a discount for. There are many kinds of immobilizing device.
- Kill switch.
- Fuel disabler.
- Smart key.
- and more.
- There are other kinds of anti theft devices as well, such as alarms and decals and tracking systems. A few of these might get you a discount from a company that sells car insurance in Chicago, but the sure fire route is with the immobilizing device.
- An immobilizing device is the kind of anti theft device that most car insurance companies want to see and will give you a discount for. There are many kinds of immobilizing device.
Along with an anti theft device, you should also practice a bit of common sense. Combine the two and you should have no problem getting a good rate on car insurance in Chicago.
Finding a Great Auto Insurance Company in Chicago
Reader question:
How do you find a good auto insurance company in Chicago?
Mel
Great question, Mel.
To find the best insurance company in Chicago, you need to follow two basic principles: shop around, and ask around. If you use them often and you use them right, then you should have no problems with getting a great quote from an auto insurance company in Chicago.
- Ask around.
Face it. You don’t know everything, and so sometimes it’s best to ask other people who have experience with an insurance company in Chicago whether that experience has been good or bad, and whether or not they would recommend the company to somebody else. You can start asking around with family an friends, and also consider each insurance company in Chicago that you have had a policy with over your life span.
Once you’ve moved past family and friends, you can check things out online. On the internet you will find many car insurance company review sties. Here you will read about other policy holders experiences with their insurance company in Chicago, how their claims were handled, and whether or not they were satisfied.
The absolute best people to ask about a great insurance company in Chicago, though, are mechanics. These people deal with an auto insurance company in Chicago everyday, so they have a lot of experience with a wide variety of companies. They can tell you who was honest and paid quickly, and who ran them around in circles. They can also tell you what their customers thought of their companies.
- Shop around.
Did you know that most Americans are paying $400 more than necessary for their car insurance premiums? This is because they don’t shop around, mostly. If you don’t look for the right insurance company in Chicago, then you’ll probably end up with high rates for a long time.
Start doing this by gathering quotes from online websites and researching what the consumer ratings are for each insurance company in Chicago. Put the results together and compare.
Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:
1. Military personnel
2. Good grade students
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance
6. Clean credit history – used by many carriers to determine payment risk
Cheers,
Fashun Guadarrama.
Chicago auto insurance
Filed under: , , auto insurance Chicago, Chicago insurance rates
Reader question:
My son will be getting his driver’s license in a few months. How do I add him to my Chicago auto insurance policy? Will it be expensive?
Grace
Thank you for asking, Grace.
It’s pretty simple to add your son to your Chicago auto insurance policy. All you have to do is call your Chicago auto insurance agent and inform him that you will have another name to add to the policy. If your son will be getting his own car, then you will need to add that onto your Chicago auto insurance policy as well. Make sure that when you add your son and his car that they put him as the primary driver on the correct car. If your car is more expensive to insure, then you will pay more if they connect the highest risk driver to the highest risk car. Chicago auto insurance companies like to do this when it is not specified others, so be sure to mention it.
As for the price, it will be expensive to insure a teenage boy. The average cost of insurance for a teenager is twice as much as that of an older driver, so just take your current Chicago auto insurance premium and multiply it by two. However, even if this is the case there are still things that you can do to get cheaper Chicago auto insurance rates for your teen driver.
You can start by making sure that he is doing well in school. Most Chicago auto insurance companies have a discount for full time students who manage to make a grade point average of 3.0 or higher. There are usually some other requirements–for example, if your son has just started driving, some Chicago auto insurance companies won’t give him the discount for a year and a half. You also should be between the ages of sixteen and twenty five for most place.
There are plenty of ways to get a cheaper Chicago auto insurance policy, and all you really need to do is hash the details out with your insurance agent. Ask them about discounts and see which ones apply to you.
Cheers,
Fashun Guadarrama.
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