I was asked to get SR22 insurance here in Illinois so I need to understand some things before I get one. How long do I have to carry SR22 and how can I have the best rates on my auto insurance?

Aspen

Naperville, IL

Since you are asked to get SR22 insurance, you are required to keep it for at least 3 years. You can have your drivers license suspended if your SR22 insurance lapses or expires without being renewed. You are also required to pay your auto insurance premium on time or you can have your SR22 insurance revoked prematurely without notice by your auto insurance provider.

To get your SR22 Illinois, you should find a good car insurance company that provides SR22 insurance. It should be noted that not all auto insurance companies can give auto insurance with SR22, so going to a specialized SR22 insurance firm may be the wisest idea. Keep in mind as well that the filing fee for SR22 insurance in Illinois is usually around $50.

In order for you to get the best rates on your auto insurance, you should shop around first in the Internet or by calling up auto insurance companies. This would enable you to purchase the most affordable auto insurance with SR22. In case you agree to the price, you must purchase the SR22 insurance, and then the car insurance provider will electronically notify the Illinois Department of Motor Vehicles that you have now SR22 Illinois.

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 accident while driving on low-visibility, icy roads, the probability of your car getting stuck in snow or having frozen debris like tree limbs fall and hit your vehicle, and other events like hail or snow storms, you will want to make sure that your auto insurance coverage is adequate to protect you, your family, and your vehicle there in Evanston, Illinois, from loss or damages during this particular season.

Here’s a few tips on how to drive safely during winter and avoid a huge car insurance claim:

• Practice Defensive driving. Avoid tailgating. Be aware of the car in front of you and that it might brake unexpectedly so make sure you keep your distance. Keep head lights on and slow down especially if the roads are foggy or icy to avoid skidding.

• Check your car. Check to make sure your tires have enough pressure. Fill up on gas. Make sure wipers and car heaters are in order. Stored food, water and flashlights come in handy in case you get stuck in snow. You should also check that your car has anti-freeze for the brakes for obvious reasons. It will be a good idea to visit your trusted mechanic at this time.

• Prepare yourself. If you need to go somewhere provide a bigger time allowance in advanced. You don’t know how conditions might become during winter so expect some things to cause you to get delayed. If visibility is poor, (and so is your eyesight), consider stopping somewhere safe or have someone else drive. Ply major roads and highways since their plowed regularly.

Tags: auto insurance