Author: Active Insurance

Soon, students will begin their after-school programs, and all those new, young drivers will explore the roads at different times. If your child is new to driving, safe driving habits are essential. This includes being prepared for unexpected road situations. Let’s explore the importance of a student driver emergency kit and what it takes to make one of your own. 

Your Checklist

Unfortunately, road emergencies can happen when you least expect them and being prepared can make all the difference. Fully equipped emergency kits can help drivers of any age remain calm and safe during unexpected breakdowns, accidents, or adverse weather conditions. A well-equipped kit should include:

• First aid supplies include bandages, antiseptic wipes, adhesive tape, pain medication, and other necessary personal medications.
• A list of emergency contacts that includes family members, friends, your insurance details, and even the contact information of your local police department. 
• Basic tools include multi-tools, flashlights, jumper cables, and a tire pressure gauge. 
• Non-perishable snacks and bottled water to sustain passengers during delays.
• A reflective vest and cones make anyone getting down and the vehicle much more visible. 
• A flashlight and portable charger to keep all necessary electronics charged and ready to go.

Our Role In Emergencies

At Pronto Insurance, we know our clients trust that we’ll be there to help when unexpected emergencies arise. Much like a fully equipped emergency kit, we understand our coverage options can be as crucial in difficult situations.

• We offer roadside assistance services that ensure you’re not stranded if your vehicle breaks down.
• Our towing coverage can help you get your car where it needs to be.
• If your vehicle is expected to be out of commission for some time, our rental car coverage can help keep you on the move while repairs are made. 

Let’s Get You Covered

Your young drivers deserve dedicated support as they become accustomed to the road, and we’re here to provide it. If you’re ready to learn more about our services or are prepared for an insurance quote, don’t hesitate to contact the Pronto Insurance agents.

They say variety is the spice of life, and there is no better way to show off your individuality than with your car. Vehicle modifications can give your vehicle that personal touch it needs and even enhance its performance. But do these changes have any effect on your insurance costs? Discover how vehicle modifications can influence insurance rates and the factors to consider before making changes. 

How Your Insurance Rates Work

It’s important to understand that vehicle modifications can encompass many changes. These range from simple cosmetic improvements, like new paint or wheels, to performance upgrades that enhance your engine, suspension, or other of your vehicle’s systems. 

Insurers calculate your rates based on several factors:

• Age
• Driving history
• Safety features
• Vehicle’s make and model

Modifications and Their Impact

While cosmetic modifications can help your vehicle stand out, they may not affect your costs significantly. That said, informing your insurer if you make a cosmetic change is a good idea. 

Performance modifications, however, can lead to changes in your insurance rates of accidents or claims by:

• Tuning your engine
• Upgrading your exhaust system
• Boosting your car’s performance in any other way 

Some modifications can decrease costs. Safety upgrades, such as anti-theft devices or advanced driver-assistance systems, can minimize the risk of theft or accidents. If your vehicle is safer and more insurable, there is a potential for decreased insurance rates. 

Our Experts Have Your Back

If you have a vehicle modification in mind for your set of wheels, consider expert guidance from the insurance agents at Pronto Insurance. They’ll provide insight into how your car upgrades can impact your insurance coverage. Contact us today for more information about our coverage and rates.

Increased traffic, frequent bus stops, and the need to get kids to class on time can make the back-to-school season hectic and even overwhelming. As you prepare to take your children back to school, consider a carpooling system to make things more efficient.
While this option provides a wide range of benefits, it also raises the question of auto insurance coverage and your responsibilities as a driver. To help you make an informed decision on your system we want to share 5 FAQs with you!
Does Auto Insurance Cover Passengers?
In short, your auto insurance policy can cover passengers in your vehicle. The liability component of your auto insurance may be activated in the event of an accident if medical expenses or other damages are involved.
Does Carpooling Require Additional Coverage?
Your standard auto insurance policy can provide enough coverage for your carpooling needs. With that said, any additional coverage is entirely up to you. We recommend you review your policy to ensure you have the amount of coverage you feel most comfortable with.
Should Carpool Drivers Inform Their Insurance Company?
Your relationship with your car insurance company is all about communication. Being transparent and honest about your carpooling activities helps establish a mutually beneficial relationship with those protecting you if needed.
What if an Accident Occurs During Carpooling?
If an accident is ever to occur, it's your responsibility to inform your auto insurance company and let them spring into action. Follow the routine post-accident procedures: exchange information, document the scene, contact your insurance company, etc.
Carpooling Safety Tips
Safety should be on your mind whenever you hit the road, especially if your passengers are children.
Here are some essential tips to keep in mind when the back-to-school season comes around:
-Seat Belt Usage – ensure all passengers, including children, wear seat belts at all times. Seat belts save lives and significantly reduce the risk of injuries in a crash.
-Child Safety Seats – if you’re carpooling with young children, ensure they are appropriately secured in approved child safety seats according to age and size.
-Designate Pick-Up/Drop-Off Locations – establish specific pick-up and drop-off locations to avoid confusion and ensure a smooth carpooling routine.
-Avoid Distractions – as the driver, stay focused on the road and avoid distractions like texting or using a smartphone.
-Create an Emergency Plan – discuss an emergency plan with your carpool passengers, including what to do in unexpected or medical emergencies.
-Be Punctual – stick to the agreed-upon schedule and be punctual to ensure everyone arrives at
their destinations on time.
Let’s Explore Your Options
If you’re currently planning out a carpooling system and need to make sure your insurance needs are met, Pronto Insurance can help. Our insurance agents can help you determine what coverage best fits your needs. Get in touch with us today to learn more.

Finding the best auto insurance policy possible is easy for some, however, others are not so lucky. Some agencies claim there are many qualifications to meet. We offer fast and flexible
auto insurance for every area of your life. At Pronto Insurance, having the correct information can make all the difference. As you explore options for your auto insurance needs, keep these crucial factors in mind.
Driving Record
Your driving history is a crucial factor that can affect your insurance premium. Your rates can climb or decrease depending on your driving record. For instance, a clean record with no
accidents or traffic violations usually leads to lower rates.
Age and Experience
Young and inexperienced drivers are statistically prone to more accidents. This means their insurance premiums may be higher than other, more-experienced motorists.
Vehicle Type
The make and model of your vehicle can significantly impact insurance costs. While older vehicles may see higher premiums, their newer counterparts, equipped with advanced safety
features, may qualify for discounts.
Marital Status
Married individuals may enjoy lower insurance rates compared to single drivers. Married couples are often perceived as more responsible and cautious on the road.
Claims History
You could see higher premiums if you have a history of past claims. Insurance companies consider your claim record as an indicator of potential future risk.
Let’s Get Started
As you shop for auto insurance, you must be mindful of the factors that could affect your insurance premiums. Are you unsure of how this could change your insurance costs? Don't
worry! The insurance agents at Pronto Insurance are here to help you navigate your options. Get in touch with us today to learn more.

The temps are high, and so is the family’s desire to hit the road for a relaxing summer vacation.
As you start considering destinations and booking your stays, it’s also important to prioritize your safety while out on the road. At Pronto Insurance, accidents can happen when you least expect them, so taking steps to stay safe and insured as you hit the road is necessary.
Practice Vehicle Maintenance
Before you load up the car and strap everyone in, ensure your vehicle is in optimal condition.
Schedule a comprehensive maintenance check-up beforehand and ensure it covers:
 Tire inspection
 Fluid levels
 Brake
 Light checks
If you can do it all on your own, more power to you! But don’t hesitate to get professional help if you need some assistance.
Get the Right Coverage
Now is the perfect time if you haven’t checked your car insurance policy in a while.
 Ask your provider if they offer discounts or member benefits for your vehicle.
 Consider adding liability coverage to protect yourself financially in case of an accident.
 Verify if your policy includes coverage for rental cars since it can be helpful if you plan to rent a vehicle.
Invest in Roadside Assistance
Whether you get a flat tire or a busted engine, car troubles can reach you when you least expect them. If your insurance provider offers roadside assistance, don’t hesitate to enroll. This
service can be a lifesaver in the event of flat tires, dead batteries, and even lockouts.
Review Uninsured/Underinsured Coverage
Besides fun and excitement, road trips mean one thing: you’ll spend a lot of time with other motorists, and it’s impossible to know what type of insurance they have, if any! Protect yourself by considering uninsured/underinsured coverage. That way, if you’re involved in an accident with a driver who doesn’t have insurance or insufficient coverage, your provider will have your back.
Get a Reliable Auto Insurance Provider
Safety is a priority no matter the time of year. Pronto Insurance covers you whether you’re looking to add coverage to your policy or simply shopping around for better deals. Contact our
insurance agents today for more information about our policies, services, and quotes.

There is nothing quite like an Independence Day celebration filled with loved ones, great food, and a beautiful fireworks display. However, it’s important to remember that fireworks can pose
risks, including potential damage to vehicles. As you gear up for the festivities, understanding your auto insurance coverage is crucial to protect you.
The auto insurance experts from Pronto Insurance discuss essential information and tips to keep in mind during Independence Day celebrations.
Consider Comprehensive Coverage
Comprehensive coverage protects your vehicle from:
 Non-collision events
 Weather-related damage
 and possibly firework-related damages
Review your policy to ensure you have sufficient, comprehensive coverage in place. This coverage will help cover repairing or replacing your vehicle if it sustains damage due to
fireworks.
Be Mindful of Parking
When attending fireworks displays or gatherings, be cautious about where you park your
vehicle.
 Avoid parking too close to the fireworks launch area or areas where debris may fall.
 Choose a safe and secure location away from the action to minimize the risk of damage to your vehicle.
 If you live close to a firework-launch area, try to park your vehicle in your garage or a safe place a few blocks away.
Document Your Vehicle
Before attending any Independence Day celebrations, take the time to document the current condition of your vehicle. Document any scratches or dents by taking clear photographs from
all sides of your vehicle. In the event of firework-related damages, these photos can be evidence for insurance claims.
Contact Your Insurance Provider
If you have firework-related vehicle damage, don't hesitate to contact your insurance provider to report the incident. Make sure to:
 Follow their instructions regarding the claims process and provide them with accurate and detailed information.
 Keep a record of all communication and documentation related to the claim.
 Remember to contact your Pronto Insurance agent as soon as possible.
Pronto Insurance is Here for You
Safety is a priority, no matter the celebration or time of year. If you're looking for an auto insurance provider that genuinely has your back and recognizes the importance of savings, look
no further – Pronto Insurance is here to help. Contact our insurance agents today and learn more about what we have to offer. They'll listen to your needs and provide quotes prioritizing
what will make a difference in your life.

Summer usually means an increase in many things – temperatures skyrocket, electric bills rise, and gas prices can surge too! At this time of the year, savings are a must, no matter where they
come from. At Pronto Insurance, we know you and your pocket can potentially benefit from auto insurance savings. So, we want to share five tips to help you keep some money in your pocket while staying protected on the road.
Review Your Policy
Reviewing your auto insurance policy at least once a year is essential, and summer is a great time to do so.
 Assess your coverage needs and evaluate any changes that may have occurred.
 Consider factors such as vehicle depreciation, changes in driving habits, and personal circumstances can impact your coverage requirements.
 Review your policy, you can make sure you’re not paying extra for things you may not need.
Policy Bundles
If you have separate auto and home insurance policies, it might be time to bundle them up.
Most insurance companies offer discounts when you do so. Plus, bundling your policies helps simplify your insurance management by consolidating everything under one provider.
Raise Your Deductible
Your deductible is paid out of pocket before your insurance coverage kicks in. If you increase your deductible, you assume more responsibility in the event of an accident but save on your
monthly premiums.
Please note: you must ensure you can comfortably afford an increased deductible in case of an accident before you make the change.
Maintain a Good Record
This one may go without saying, but a good record is one of the best ways to keep your auto insurance costs low. It demonstrates to insurers that you are a responsible diver. So, ensure you’re always observing traffic laws, avoiding speeding tickets, and practicing safe driving habits.
Shop Around
Beat the heat, not your wallet. If your insurance provider is not offering better rates, don’t be afraid to shop around with other companies. Take time to:
 Compare prices
 Review rating systems
 Evaluate pricing structures
By gathering multiple quotes, you can get closer to the best coverage at the most competitive rate. Contact the insurance agents at Pronto Insurance to get a quote today.

When shopping for car insurance in Chicago, it’s important to know exactly how much coverage you need. Different states and even individual insurance companies have different requirements when purchasing car insurance, so understanding the specifics of your situation is essential.

In this article, we’ll cover all the factors you need to consider when figuring out how much car insurance you need in Chicago. We’ll also discuss the different types of coverage available and provide some tips to help you get the best rates on your car insurance.

Table of Contents

Types of Insurance Coverage Policies

Liability

Collision

Comprehensive Coverage

Uninsured Motorist Coverage

Medical Payments Coverage

Gap Insurance

Personal Injury Protection

How Much Coverage Do I Need?

What Is a Normal Auto Insurance Policy?

Get the Best Rates on Your Car Insurance

In Chicago and other states, car insurance is a legal requirement to drive. The minimum amount of coverage required depends on the state and can range from liability-only to comprehensive coverage.

Some of the common types of insurance are:

Liability

The most basic type of car insurance is called Liability Insurance. This covers medical expenses for any passengers or other drivers injured due to an accident caused by you, property damage incurred as a result of an accident caused by you, and any legal costs if you are sued.

Collision

Collision Insurance covers any physical damage to your car caused by an accident or other event that is not your fault. It also covers any damage sustained due to theft or vandalism.

Comprehensive Coverage

Comprehensive coverage goes beyond what Liability and Collision insurance cover, providing additional protection from unexpected events such as natural disasters, fire, collisions with animals, and more. It can also include roadside assistance and the cost of a rental car if your vehicle is damaged in an accident.

Uninsured Motorist Coverage

Uninsured Motorist coverage protects you from drivers who don’t have any insurance or don’t have enough insurance to cover the costs associated with an accident they caused. This coverage also provides medical payments for you and your passengers in the case of an accident.

Medical Payments Coverage

Medical Payments coverage pays for medical expenses if you are injured in an accident, regardless of who is at fault. This coverage also covers funeral costs if someone is killed in an accident you were responsible for.

Gap Insurance

Gap insurance helps cover the difference between what you owe on your car and the actual cash value of your vehicle if it’s totaled in an accident or stolen. It’s important to note that this coverage is typically only available for new cars, so you may need to purchase a separate policy for a used car.

Personal Injury Protection

Personal Injury Protection (PIP) is a type of no-fault insurance that covers medical expenses for you and your passengers, regardless of fault. It also covers lost wages due to an injury or illness caused by an accident.

How Much Coverage Do I Need?

To stay within the law, you must get at least state-mandated liability insurance when driving a vehicle. This type of coverage helps pay for any injuries and damages that are your fault in an accident. The most common legal limits of this kind of insurance are:

• $25,000 in bodily injury per person
• $50,000 in total bodily injury per accident
• $25,000 for property damage per accident

It’s important to note that these are just the minimum requirements, and you should consider purchasing more coverage if your car is worth a lot of money or if you have assets that could be at risk in the event of an accident. It’s always a good idea to carry more liability coverage than you’re legally required to so you’re not left to pay the difference.

What Is a Normal Auto Insurance Policy?

Accidents, theft, and other unexpected situations can happen at any time. That’s why car insurance is a necessary safeguard for your financial security and vehicle. Your car insurer will take care of the bill for repairs to your automobile or medical costs incurred in the event of an accident with another driver – keep in mind that regular maintenance and wear and tear won’t be covered by this type of policy!

You can buy many different types of car insurance policies. However, most basic car insurance includes liability protection. In fact, most states require a certain limit for these policies. 

They may also want you to have uninsured/underinsured protection and comprehensive coverage. You’ll want to talk with your insurance provider to ensure you get full protection.

A normal auto insurance policy covers the following:

– Liability Protection

– Uninsured/Underinsured Motorist Coverage

– Comprehensive Coverage

– Collision Coverage

– Medical Payments Coverage

– Gap Insurance

– Personal Injury Protection.

In addition to the coverage above, you can purchase additional coverage types, such as rental car coverage or roadside assistance. Be sure to ask your insurance provider about what’s available and how it can help protect you.

Get the Best Rates on Your Car Insurance

Before purchasing an auto insurance policy, it’s important to understand what coverage options are available and how much coverage you need. Knowing this information can help you make an informed decision that best fits your needs and budget. Remember, the coverage recommended by your insurance provider may not be enough – it’s important to purchase more coverage if necessary.

That’s why it is always a good idea to talk to an insurance provider about your specific needs and get a free quote. At Pronto Insurance, we strive to provide top customer service, offering our best rate possible to continue to satisfy our customers for more years to come. Let us help you with your Auto Insurance, SR22 Insurance, Mechanical Breakdown Coverage, and more. The first step is to reach out and get a free quote!

When driving in Texas, car insurance is not only essential but also required by law. But what happens when you have a limited budget? This article provides tips on getting affordable Texas auto insurance without compromising coverage. Pronto Insurance is a great company as it offers affordable quotes.

Up Your Safety

The safer you are, the more money you can save on vehicle insurance. With that said, modern safety features can translate to substantial savings. Some of these features include:

• Rearview cameras
• Anti-theft devices 
• Blind spot detection systems 
• Lane departure warning systems

Consolidate

If you have more than one vehicle, you can save money by combining all their protections into one policy. The best part is this option is not limited to traditional cars. Their policies can also be incorporated if you have motorcycles or recreational vehicles. 

Consider a Higher Deductible

Simply put, a deductible is an amount you pay before your car insurance policy takes over the rest of your expenses for damage caused by accident. The higher your deductible, the more you can save on your policy. 

Yes – we know that sounds like a “gotcha” discount, but Pronto Insurance can help you select a deductible that’s high enough to save you money but not too high that it wouldn’t make sense in the long run. 

Find Good Rates for Texas Auto Insurance

At Pronto Insurance, we understand insurance costs can often be challenging, especially in today’s economy. It’s why our insurance agents go above and beyond to find ways for you to save big while giving you the protection you truly need. Contact us today to reevaluate your rates and find new ways to save. 

Summer is Coming Up. Are You Prepared?

However, if you are traveling this summer, ensure the proper coverage. We offer insurance on RVs, watercraft, boat insurance, and more! Speak to an agent today to get started.

With seatbelts, airbags, and state-of-the-art vehicle design that prioritizes each passenger’s well-being, car safety has come a long way since the beginning of the automotive industry. But with so many safety features in vehicles, there are still plenty of dangers that can cause severe accidents if you’re not paying attention. Here is how you can identify and avoid them. 

Wildlife

Wildlife is the most unpredictable of all the hazards you can encounter on the road. Even when you have your eye on them, it isn’t easy to know just how they will react to your approach. If you encounter a wild animal on the road, or if they dart in front of you, hit the brakes, hold your steering wheel firmly, and honk your horn to scare them into getting off the road. Since wildlife is primarily active during late night hours or in the morning, you must be especially vigilant at these times. 

Floods

Floods claim vehicles and lives every year. Drivers often need to pay more attention to how deep a flooded area can be. When they drive through it, they risk the complete loss of their vehicle and even death! Remember, if you approach an area that looks flooded, you can turn around and find an alternate route. 

Drowsiness

One of the most common road dangers is driving while exhausted. No one will fault you for pulling your car over, drinking water, taking a walk, stretching, and even taking a short nap if it’s safe to do so. If you’re sleepy and behind the wheel, you risk your life and the lives of those around you. 

Always Count on Us

When you’re out on the road, anything can happen. Fortunately, in the event of an accident, Pronto Insurance can provide the protection you need. Contact us today for more information about our policies, coverage, and prices.