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: Will a seat belt violation cause insurance premium rates to go up for a teenager? Wilma Oak Park, IL A citation for a seat belt offense that goes on your Motor Vehicle Record, which a conviction for this violation does show up on an IL driver’s record, is considered teen by most insurance [...]

Reader’s Question: If after completely restoring my 1965 Ford Mustang two-door convertible which cost me $8,750 ( the work needed replacement for the dented quarter-panels, fixing some rust, painting the exterior with the original color, reupholstering the interior, and adding a new rag top), the car is now worth about $22,200. How would my car [...]