Cheap Illinois SR22 Auto Insurance

Car Insurance Rate Champaign Illinois IL

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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 insurance rate in Champaign, IL be affected now that my car should have a higher market value?

Jane

Champaign, IL

Now is a good time for you to buy a stated-value policy if you do not want depreciation to start at the $8,750 you paid, but at the $22,200 your car is now worth. Without a stated-value policy, it is going to be harder for you to convince your insurer of the increase in your car’s value.

You also could get your insurer to provide you with a rider for improvements, but really the compensation will come on the back end. The appraiser should include upgrades, and you should definitely take credit for things that improve the value of your car. It is always advisable to touch base with your Champaign, IL agent or insurance company before you get into an accident; to be sure any upgrades are covered.

A word of warning though: Not all car improvements will result in an increase your car’s market value. In some cases, what you may see as an improvement may actually hurt your car’s value. Let’s say putting your truck on a high frame with huge wheels may make you feel like you’re on top of the world, but your insurer may not agree that it increases the value of the car since these changes appeal to a limited audience.

Tags: auto insurance

August 14th, 2008

Car Insurance Aurora Illinois IL

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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 bills, there is no grace period allowed for paying auto insurance premiums. By just being a day late with your premium payment, your insurance company may decide to cancel your policy. It may not seem fair, but as how you would normally hear, that’s how it goes. And when you’re ready to pay the bill, the company won’t necessarily reinstate your policy once it is canceled. You may find yourself paying more money for a comparable policy, or worse, you may have trouble finding new insurance.

Each state has rules regarding when an insurance company may drop your policy. So, I would suggest contacting your Aurora, IL insurance agent to know exactly the terms of your policy when it comes to late payments. If you fail to make the payment on time, an insurance company will almost always be able to cancel your policy in the middle of its term, on non renew your policy once it up. Paying on-time means that your premium must be received by the due date so dropping the payment in the mail by the due date may still mean that your payment will not be received on the due date.

If you’re a few days late, most auto insurers value your business and won’t drop you. But being habitually late is a different thing. Some companies may seize that opportunity to kick you off their rolls or if they decide that you’re a risk they no longer wish to insure. Your insurer may require that you pay the remaining balance due for the full term if you’ve already passed the cancellation date before they reinstate your insurance.

Tags: auto insurance, automobile, Car Insurance Company

July 25th, 2008

Illinois DMV Auto Insurance

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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 moving violation. It is essential to be properly insured though so that you are not caught driving without auto insurance. If you showed a law enforcement officer an apparently valid insurance card the DMV in Illinois could still ultimately find out that you are uninsured.

In most states an insurance carrier has to notify the DMV if a individual’s insurance policy is lapsed, canceled, or is not valid. When this happens many states require you to turn in your license plates and if the insurance has not started up again or renewed your driver’s license will be suspended or revoked.

July 12th, 2008

Chicago IL Car Insurance

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Reader’s Question:

I am trying to get car insurance, I guess my question is, is it possible to get car insurance if I only have a learner’s permit in Illinois?

Bill

Chicago, IL

Yes, it is possible to obtain a auto insurance policy with a learner’s permit with certain insurers in Chicago Illinois.

You will either need an drivers license or be able to get one within 30-45 days typically. Depending on how old you are, the insurance providers will probably make you obtain a regular driver’s license within 30 days of your policy’s inception date. In addition to that, if you only have a learner’s permit, the insurance provider may require you take out the policy with a motorist on it who has a regular operator’s license.

If your parents already have an insurance policy, you may check if you can be added to their insurance policy for coverage.

July 12th, 2008

Non Owners Auto Insurance Illinois

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Reader’s Question:

My son no longer is a household member. He has moved out in Arizona and has changed his address. She does not own a vehicle. I no longer want to continue having him listed as a primary motorist on my car in Illinois but want him to be covered if he occasionally uses the car. My insurance agent informed me I had to have him as “primary” on one of my cars since I have more than one car. Is this true? Why cant he be listed as just an occasional driver?

Marlen

Chicago, IL

Ultimately, it’s up to your insurance provider in Illinois as to whether your son has to be listed on your policy as a driver or not. With that being said, some insurance providers will permit you to remove your son from your insurance policy with proof he does not live in your household or proof he has his own insurance policy. That being said, most carriers permit coverage for “occasional” drivers provided that the “occasional” motorist does not live your household, and your cars are parked at your residence at the end of the day. You may want your son to look into a “non-owner” policy that will help cover him for cars not provided to him on a regular or frequent basis.

July 6th, 2008

Springfield IL SR-22 Insurance

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Reader’s Question:

My friend borrowed my vehicle and wrecked it and he said she has Springfield SR-22 insurance. Will this SR-22 insurance cover the damages in my car?

Robbie

Springfield, IL

Typically the auto insurance follows the vehicle and not the driver, so the insurance that would kick in, regardless of the motorist and whether they have Springfield SR-22 insurance or not, would be yours, since it’s your vehicle.

But, if you exhaust your coverage–like if the damages are $15,000 and you don’t have that much coverage, then the Springfield SR-22 insurance coverage of your friend will kick in to cover the excess. Your rates may still increase.

June 10th, 2008

SR-22 Insurance Chicago IL

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Reader’s Question:

If I have to purchase a Chicago SR-22 policy, will my insurance rates go up in Illinois?

Tom

Chicago, IL

It is most likely that your auto insurance rates will increase after purchasing a Chicago SR-22 policy, and probably by quite a bit. Most individual’s do. But, it isn’t certain. There are a lot of factors that might affect your insurance rates.

If, for instance, you are in the preferred category of motorist when you first obtain your Chicago SR-22 policy, then many companies will permit you to keep your rates along with your good motorist discount. If you’ve been a long time policyholder, you might get the same treatment.

June 10th, 2008

SR22 insurance Naperville IL

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Reader’s Question:

I’m from Naperville, IL, but I’m moving to Texas. Do I still need my Naperville SR22 insurance?

Mel

Naperville, IL

Although you are moving to a new state, and you will be obtaining a license in that new state so it would seem that you would not have to comply with any license restrictions from your old state, Naperville SR22 insurance is different. You need to continue meeting the requirements of your Naperville SR22 even while you live in Texas until the period of SR22 filing is up.

June 10th, 2008

Non Owners Auto Insurance Rockford IL

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Reader’s Question:

I do not have a vehicle currently but I do have a driver’s license. Am I required in Illinois to buy insurance to drive my friend’s car on a some occasion? I live in Rockford, Illinois.

Joseph

Rockford, IL

The state of Illinois law (625 ILCS 5/7-601) states that it requires all car owners to have minimum amounts of car liability insurance. According to the IL Division of Insurance, lending institutions may require physical damage insurance to protect their interest in a financed car.

Generally, the car owner’s policy on a car that you may borrow on a some occasion should cover you as a motorist. For instance the Illinois DOI states that the typical bodily injury liability coverage pays for bodily injury to another individual or property damage you cause due to the negligent operation of a car. It may also pay if the accident was caused by a member of your household living with you or an individual using your car with your permission in Rockford, IL.

You may not be required to have your own insurance policy if you do not own a vehicle in Rockford, IL, nor have a vehicle in your household whose insurance policy you could be put on, then you can obtain a non-owners policy. Non-owners insurance typically is additional coverage to provide you liability protection for when you are at fault and do not own a car.

June 4th, 2008

Auto Insurance DUI Illinois

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Reader’s Question:

In the state of Illinois, how long will a DUI remain on your driving record? I live in Rockford, Illinois.

Jill

Rockford, IL

In Illinois, a DUI conviction does not come off of your driving record in the. A DUI stays on your driver’s abstract forever.

According to the Illinois Secretary of State (SOS) a traffic violations such as speeding, improper lane usage, disregarding a traffic control light, etc. stay on a driver’s record for 4 to 5 years from the date of conviction. If the ticket forms the basis for a revocation or suspension, the information will be carried on your driving record for a minimum of 7 years from the date of reinstatement.

In Illinois, drug/alcohol offenses stay on a driver’s record for a lifetime according to the SOS.

To verify how long your insurance provider can rate you for the DUI you can speak with your insurance agent to see how far they “look back” for period goes and check with the IL Division of Insurance to verify what state law says about this situation.

June 4th, 2008