Reader’s Question: What can I do to help my parents with our car insurance expenses? We have a car here in Decatur, Florida that almost everyone in our family use and I want to show my parents that I can also be responsible in paying bills. Tamara Decatur, IL It is a joy to see [...]

Reader’s Question: We came from Hawaii and has now moved to Evanston, Illinois. We’re wondering, is it true that car insurance rates will go up during winter time? Angeline & Bradston Evanston, IL Yes, winter conditions can definitely cause your car insurance costs to become higher. With the increased risks of getting into a car [...]

Reader’s Question: I’ve been paying too much on my car insurance and it’s way beyond what I can afford. Can you give me tips on how to lower my auto insurance premium in Illinois? Any help will be greatly appreciated. Thanks in advance! Isaac Arlington Heights, IL The easiest way to lower your insurance rate [...]

Reader’s Question: I got involved in an accident and I was a passenger. It was my friend’s fault. We were taken to the hospital. My friend’s auto insurance provider in Cicero, Illinois said that they will only cover my friend’s medical bills and not mine. Can they do this? Miranda Cicero, IL It seems that [...]

Reader’s Question: Is it possible for someone with an expired license to obtain car insurance in Illinois? Is there a difference between expired license and suspended license? Erwin Arlington Heights, IL There are some insurance providers that will insure you even if you have an expired license. Typically these auto insurance companies will require that [...]

Reader’s Question: My dad and my uncle were discussing about auto insurance policy. My uncle was just recently involved in a vehicular accident and they were talking mainly about making his insurance claim. While they were talking I heard he said something about “non-waiver agreement”. What does non-waiver mean? He has auto insurance in Chicago, [...]

Reader’s Question: Is it true that the newer the vehicle you buy, the higher you car insurance premium will be? Shouldn’t it be the other way around? I’m gonna be purchasing a brand new SUV here in Illinois, and I want to know if I will end up with higher car insurance bills. Suzanne Chicago,IL [...]

Reader’s Question: Do I really need to have everything that is currently included under my car insurance coverage here Illinois? I want to have a better understanding of how car insurance works since I think I can save some money by trimming down on my coverage. Thanks! Lourdes Fayetteville, NC The answer to your first [...]

Reader’s Question: My teenager, recently getting his drivers license here in Illinois, is very excited to start driving and I am very much the proud parent, however, how can I keep my car insurance costs to a minimum when I add my teenager to my insurance policy? Janus Chicago IL It is, most of the [...]

Reader’s Question: I’ve been caught driving and unfortunately I don’t have car insurance yet here in Illinois. I’ve been instructed to file an SR22 form. What is it and how do I get one? Thomas Joliet, IL An SR 22 is a form that proves you have financial responsibility, also known as insurance, for your [...]