Chicago IL automobile insurance
Filed under: Chicago insurance rates, auto insurance Chicago
Reader question:
Should I add mechanical breakdown coverage to my Chicago IL automobile 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 Chicago IL automobile 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 Chicago IL 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 Chicago IL automobile 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.
IL auto insurance and quote and save
Filed under: Chicago insurance rates, auto insurance Chicago
Reader question:
How do I get my IL auto insurance and quote and save?
Jorge
Thank you for asking, Jorge.
There is a way that you can get your IL auto insurance and quote and without having to do anything other than what you’ve already done. Sound too easy? I can see your concern. You hardly ever see a company selling IL auto insurance and quote and making it simple. It’s usually the opposite. However, it does happen.
The particular discount that I am talking about is a discount that many car insurance companies are offering for people based on their occupation. This way, you can get your IL auto insurance and quote and not have to anything other than call up your car insurance company with proof that you work in a certain field or hold a certain degree. There are two types of people who fall under this discount.
- Teachers.
Teachers can get their IL auto insurance and quote and save on a discount through their teacher’s union. Normally, the costs of the union will be about the same as the savings that they get from the discount. However, since you get so many benefits from being a member of a teacher’s union it’s kind of like getting free membership.
- Engineers/mathematicians/etc.
Car insurance companies like people who have degrees in engineering and other math and science related fields. The reason that they give these majors a chance to get their IL auto insurance and quote and save is because studies show that people in these fields are more likely to pay close attention to their surroundings and file fewer claims. This makes them low risk, and a target for savings.
Cheers,
Fashun Guadarrama.
Bloomington IL auto insurance
Filed under: Chicago insurance rates, auto insurance Chicago
Reader question:
I’ve made a claim with my Bloomington IL auto insurance company, and it’s taking forever. Is there anything I can do? I need to move on!
Lily
Excellent question, Lily.
Your Bloomington IL auto insurance company is really messing things up here, as it should know what its obligations are in regards to paying you quickly and to your needs. There are actually laws mandating that your Bloomington IL auto insurance company pay you promptly. However, you should take a couple of steps before you start trying to get those laws enforced. Whatever the outcome, you might want to look into changing to another Bloomington IL auto insurance company.
First of all, call your Bloomington IL auto insurance company and ask them what is going on. If you can’t get an answer, then ask to speak to someone who is higher up. There could be a real reason for why you have yet to have had your Bloomington IL auto insurance claim settled. They should have contacted you whatever the case, but there still might be a reason.
If they cannot give you an explanation for the delay, then ask when it is you should expect your claim payment. It is possible that you could catch them at their inefficiency and they can fix things for you right away. Give them a chance to wrap things up first, and then take the next step.
If your Bloomington IL auto insurance company fails to act, then it is time for you to act yourself. You can go to the Illinois Department of Insurance website, and there you can read about how to make a complaint about your Bloomington IL auto insurance company. Normally, if you make a complaint then they will request that you follow it up with documentation. You submit this, and if they see it is a reasonable complaint, then they will take it up with the Bloomington IL auto insurance company.
Cheers,
Fashun Guadarrama.
IL auto insurance rate
Filed under: Chicago insurance rates, auto insurance Chicago
Reader question:
If I get into an accident one time, will my IL auto insurance rate go up?
Megan
Great question, Megan.
Well, what kind of car insurance company are you with? It would also hinge on what kind of accident it was and what your previous record is. Let’s say that you got into an accident, but it wasn’t your fault, so you make a claim. You’re making this claim with the other car insurance company, so your own company isn’t paying out anything. The only interaction you have with them is that you had an accident so that they can put it on your CLUE report. This shouldn’t raise your IL auto insurance rate, and it doesn’t. It would be against the law for them to raise it when it’s not your fault.
But what happens when you get into a car accident that IS your fault? Well, now we look at the deal that you have with your car insurance company to see how it will affect your IL auto insurance rate.
First of all, many companies have an accident forgiveness option. They do this in a couple of ways. Sometimes you will get your accident forgiveness option right away, so if you get into an at fault accident the second day of your policy, it will be forgiven. Others let you earn it and you’ll only get it after a couple of years of being part of their company with a good driving record. Still others will actually add money to your IL auto insurance rate, essentially charging you for accident forgiveness. Avoid those companies.
If your company offers you accident forgiveness, then you have nothing to worry about. You’re off the hook until the next collision. However, if it doesn’t then you will see your IL auto insurance rate rise. Also, you will see it rise even more and could possibly have your policy cancelled if you already have something else nasty on your record, like a speeding ticket.
Cheers,
Fashun Guadarrama.
IL car insurance quote
Filed under: Chicago insurance rates, auto insurance Chicago
Reader question:
How come as a man I get a higher IL 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.
Loading ...