Reader’s Question: I head from my cousin that credit history is one of that factors that auto insurance companies in Oak Lawn, Illinois consider when setting car insurance rate. My question is, if I don’t have a credit card and most probably that would mean I don’t have a credit history can this be taken [...]

Reader’s Question: My 18 year old son still lives with me in Chicago Illinois, do I need to add him to my car insurance policy already? Chicago IL Mary Yes. Most insurance carriers in Chicago Illinois will require you to have your licensed son added on your vehicle insurance policy as long as they live [...]

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 [...]