Reader’s Question: I own two cars. I also have car insurance on all of my vehicles. Next month, my sister will be coming over to stay with me for a few days. I am thinking of letting her drive my second car since I don’t normally use it and I know she would need a [...]

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: 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: I’m running short on funds so I’m thinking of paying the auto insurance bill a little late until my husband’s next pay day. We’re from Aurora, IL. What would be the consequences of paying late? Can I ask for a grace period from my auto insurance company? Linda Aurora, IL Unlike your other [...]

Reader’s Question: I would like to know if the Department of Motor Vehicle here in Illinois verify insurance coverage for a simple traffic speeding ticket, if you have a valid insurance card that you provided to the officer? Jim Chicago, IL State’s Department of Motor Vehicles (DMV) differ in how they verify insurance after a [...]

Reader’s Question: Can I purchase auto insurance in Chicago, IL using my Canadian license? Jim Chicago, IL You may be able to begin a policy with your Canadian license but most insurance companies would require you to get a US license first, in this case from Chicago Illinois, within a short period of time for [...]

Reader’s Question: Hi, I live in Naperville Illinois. My question is: Does getting rate quotes in Illinois affect your credit score since the auto insurance companies check your credit history? Jonas Naperville, IL   Most auto insurance companies in Naperville IL do check credit scores when determining insurance rates. It is true that credit rating [...]