June 29, 2025
AgencyCan I Get SR-22 Insurance If I Don’t Own a Car?
If you’ve been told you need to file an SR-22 but don’t own a car, you might wonder what that means. In Illinois, the requirement to file an SR-22 certificate isn’t limited to vehicle owners. Whether you drive regularly or only occasionally, the state may still mandate this filing as proof of financial responsibility following […]
May 23, 2025
AgencyWhat Happens if Your Auto Insurance Lapses?
Auto insurance plays a pivotal role in your financial security. Any time you get behind the wheel, something could go wrong, meaning that even brief or isolated interruptions in your coverage could have dire ramifications. It’s important to understand what to do if your auto insurance lapses and how you can rectify the situation. What […]
April 25, 2025
AgencyHow Car Insurance Works for Rideshare Drivers
Rideshare drivers typically use their personal vehicles to transport passengers, so they must have personal auto insurance. However, personal auto insurance policies often exclude coverage when the car is being used for commercial purposes, such as ridesharing. Rideshare insurance is designed to fill the gaps between personal auto insurance and the coverage provided by the […]
February 25, 2025
AgencyHow Winter Weather Affects Your Auto Insurance
Winter weather brings a unique set of challenges for drivers, and understanding how it affects your auto insurance is crucial. The risks associated with winter driving can impact your insurance premiums and claims. Knowing what to expect and how to prepare can help you navigate these changes effectively. Increased Risk of Accidents Winter weather conditions, […]
January 28, 2025
AgencyThe Connection Between Your Vehicle’s Safety Features and Insurance Costs
Modern cars are equipped with various advanced safety technologies designed to protect drivers and passengers, and these features can directly impact insurance costs. The Role of Safety Features in Reducing Risk Insurance companies base their premiums on the level of risk associated with insuring a particular vehicle. Vehicles equipped with advanced safety features are generally […]
December 19, 2024
AgencyUnderstanding Non-owner SR-22 Insurance
Non-owner SR-22 insurance is a type of liability insurance for drivers who do not own a vehicle but are required to file an SR-22 form. An SR-22 form is a certificate of financial responsibility that proves a driver has the minimum required insurance coverage. The court or state typically mandates this form for some high-risk […]
October 23, 2024
samcoinsUnderstanding Rental Car Insurance: Do You Need it?
Renting a car can be a convenient way to travel, but it comes with responsibilities, including understanding rental car insurance. This type of insurance can protect you from unexpected costs and losses, potentially providing financial security and peace of mind during your trip. What Does Rental Car Insurance Cover? Rental car insurance is offered by […]
September 25, 2024
AgencyBusiness Insurance Needs for New Businesses
Starting a new business is an exciting venture, but it comes with its own set of risks and uncertainties. One crucial aspect that new business owners must consider is business insurance. Proper insurance coverage can protect your business from unforeseen events and financial losses, ensuring its long-term success. What Types of Insurance Should a New […]
June 28, 2024
AgencyTeenage Drivers and Auto Insurance—Strategies to Manage Costs
For teenagers, getting behind the wheel represents a rite of passage, while for parents, it can be a source of anxiety, especially when it comes to auto insurance. Insuring a teenage driver can significantly impact your insurance premiums, but there are ways to manage these costs effectively. Understand the Impact of Insuring a Teen Driver […]
April 25, 2024
AgencyAuto Insurance in Illinois
Auto insurance is a critical component of responsible vehicle ownership in Illinois, safeguarding drivers against unforeseen financial burdens arising from road incidents. Understanding Illinois Auto Insurance Requirements Illinois mandates certain types of auto insurance coverage to ensure that all drivers can bear financial responsibility in the event of an accident, including the following: Liability insurance […]