Auto Insurance Coverage Add-ons Illinois IL
Reader’s Question:
Is getting coverage for roadside assistance really worth my money? I wonder whether I’ll be fine with just a standard auto insurance coverage or not here in Illinois. I’m curious about other auto insurance add-ons.
Jason
Chicago, IL
Have you ever had a flat tire in the middle of nowhere? What if you were rushing to work and you realize that you’ve left your keys in the car which is – much to your dismay – locked? Some people live a laid back life, they don’t use their car all that much, and they rarely get into these little troubles. However, if you are the kind of person who depends on your car to take you to work, important appointments and so on, I’d recommend that you shell out a bit more for roadside assistance.
Roadside assistance is an add-on which gives you services such as towing, flat tire changing, battery jump starting during those frantic on-the-road emergencies. They can even deliver fluid or fuel if you should you need it. If you pick the right company with prompt and reliable service, auto insurance coverage with road side assistance can be very convenient for you. A good company can respond to any emergency within two hours. You should find one that has easy access to where you live or work. Ask your friends and relatives there in Illinois for one that is known for its dependable service. Roadside assistance coverage can also save you money. As you know, it can cost as much as $200 to get your car towed. With this, you only need to pay your auto insurance premium.
Tags: auto insurance coverage, auto insurance premium
Auto Insurance Premiums Illinois IL
Reader’s Question:
My fiancé here in Illinois has a bad driving record. Will it affect my auto insurance premiums?
Stephanie
Cicero, IL
Yes, Stephanie, you can expect your auto insurance premiums to be affected after you get married. This is because your auto insurance policy covers all of the drivers that are stated in the policy. That list usually consists of you, your husband or any other driver that you wish to include. And if any of those drivers have a poor driving record, your insurance rates will be affected.
Insurance companies usually consider marital status when calculating risk, so getting married can improve your fiancé’s profile. But there are other things that you can do to prevent an increase in your premium.
You can get multiple policy discounts if you buy all of your policies from one auto insurance provider. You can also enroll your soon-to-be husband in courses for drivers’ safety, because in some states that can improve driving records. And if you are both going to work, you can raise your deductibles to lessen your premiums. He can also qualify for another discount, the low mileage discount, by commuting to and from work. And as last resort, you can use the named-driver exclusion clause in your car insurance policy to rule out your fiancé from your car insurance policy. But that would also mean that your husband-to-be is not protected when he is driving your car, so you have to be careful. He can also apply for a separate insurance to cover his car.
You should talk to your agent in Illinois regarding your situation, so he or she can recommend options that can work for you and your fiancé.
Tags: auto insurance premium, Car insurance discounts, driving school
Comprehensive Insurance Coverage Berwyn Illinois IL
Reader’s Question:
Hi! I have a problem with my new car. The other day, the parking lot where I live was flooded (I’m in Berwyn, Illinois by the way). Unfortunately, my car, which was parked there, retained water from this flood. I wonder if I could be covered for this.
Imee
Berwyn, IL
Hello, Imee of Berwyn, IL! Have you already discussed this issue with your car insurance agent? I think he or she can be a lot of help to you. Or you can simply go over the details of your auto insurance policy yourself. Go check if your car has comprehensive coverage. If it has, then let your car insurance company deal with the details of having your car repaired. You just report the issue to the auto insurance company, and everything will be arranged. Stolen cars and those damaged by flood, fire or animals, or any other physical damages caused by something other than collision are covered by comprehensive auto insurance. Well, based on your description of the situation, the way your car was damaged, it would appear that you certainly qualify for coverage, provided you have liability insurance. You just make sure your insurance policy includes liability insurance; otherwise, the damage to your car will not qualify to be covered by your auto insurance policy.
So, check the details of your coverage, inform the insurance company, and discuss this with the claims adjuster that they’re going to send. If things happened the way you mentioned it, then all will be well.
Tags: auto insurance, car insurance, collision insurance coverage, comprehensive insurance coverage