Category: Uncategorized

A Closer Look at 5 Not-So-Common Driving Myths

Posted on by Active Insurance

A Closer Look at 5 Not-So-Common Driving Myths

As a driver, you’ve probably heard a few myths. We’ve all heard the same ones, but there are some out there that are so rare that they can actually sound believable. Check out some
uncommon driving myths below.

Myth 1: Hands-Free Headsets Don’t Cause Distractions

Texting, calling, eating, and messing with the radio are some common distractions we’re all familiar with. You might be thinking that as long as your eyes are on the road, you’re free of distractions, right? Wrong! Seeing and hearing are two essential senses for safe driving, so if
you happen to limit your hearing with a hands-free headset, for example, you might not be able to hear cars honking around you, leaving you vulnerable to a wreck.

Myth 2: The Two and 10 O’clock Rule is Best

Every person learning to drive has heard that you need to keep your hands at the two and 10 o’clock positions on a steering wheel. However, this can lead to broken bones if an airbag is deployed. According to the National Highway Traffic Safety Administration, the three and 9
o’clock method is the safest to use.

Myth 3: 5 Miles Over the Speed Limit is Okay

Anything over the listed speed limit is considered speeding, even if you’re going one mile over! Sure, many police allow driving a few miles over the limit, but don’t always count on that. Luckily, you can avoid a speeding ticket all together by simply driving the limit.

Myth 4: Premium Gasoline is the Best

If you purchase premium gasoline every now and then, your car will run better, right? The truth is that all gas grades include cleaners for fuel injectors as per the Environmental Protection Agency. On the other hand, if your car was specifically designed for premium gas, then you
should definitely stick to it.

Myth 5: Red Cars Are More Likely to be Ticketed

This myth may have kept many individuals from purchasing red cars (for whatever reason), but the truth is that law enforcement is no more inclined to pull over a red car than any other colored vehicle. Simply put, if you commit an infraction, you’ll get pulled over. It doesn’t matter what your car’s color is.

Your Teen’s Path to a Driver’s License

Posted on by Active Insurance

Is your child ready to get behind the wheel? While this proud parenting moment is a great one, it’s important for your child to know the driver’s license process in your state. It may not be as simple as you think, but Pronto is here to help you and your child fully
understand!

A Learner’s License

The first thing your child will need is a learner’s license. They must be at least 15 years old and accompanied by a parent to a driver’s exam office. You’ll need to bring a copy of their birth certificate, U.S. passport, and/or any other applicable documents with their
social security number, name, and age.

A written driver’s knowledge test, a sign recognition test, and a vision test will be needed to earn a learner’s license. Remember, your teen must then enroll in a driver’s education course and can only drive with a passenger over 21 years old.

A Provisional License

When your teen turns 16, has had a learner license for at least six months, and has completed 30 hours of practice driving (including 10 hours of night driving), they may apply for a provisional license. This means successfully completing a behind-the-wheel driving test and a state-certified driver’s education course. After getting a provisional
license, your teen must abide by certain restrictions:

 Transporting no more than one person under the age of 21 who isn’t a family
member.
 Only driving between midnight and 5:00 AM with a driver’s licensed parent or
guardian for employment, educational purposes, or for an emergency.
 Not using electronic communications while driving.
 Ensuring that all passengers wear a seatbelt.
 Abiding by the state’s ZERO Tolerance Law.

A Full License

At 18, your teen will be eligible for an unrestricted license. Other than their learner’s license, all other licenses issued before the age of 18 will be marked as “provisional.” At this point, your teen will be allowed to drive like the rest of us.

Myths and Realities of Auto Insurance

Posted on by Active Insurance

Myths are common in the auto insurance industry because of the mystery surrounding the criteria for car insurance rates and the variety of coverage options available. In this post we’ll debunk some of the most common myths of auto insurance and lay out some of the important realities.

MYTHS

Red cars are more expensive to insure.

Insurance companies don’t ask for the color of your car when calculating quotes because it isn’t a necessary factor.

Cheaper or older cars cost less to insure.

It depends. If your cheaper or older car is, for example, an unusual model, it can cost more to insure than a pricier car. Simply put, car insurance rates depend on several factors.

Comprehensive coverage protects drivers in all situations.

Comprehensive coverage protects your car against damages outside of a collision. This can include a wide range of events like falling objects, fire, vandalism, theft and weather (floods, hail, etc.), but what it exactly covers is dependent on your car insurance policy.

REALITIES

An accident can make insurance rates go up.

Generally speaking, the severity of the accident and the cost of the claim will determine if there will be an increase in your rate. If you are in an accident where you’re found at fault, there can be an increase in your auto insurance rate at its renewal period based on the claim.

Personal information, vehicle information and driving history are used to determine auto insurance rates.

Insurance companies generally consider a variety of data including personal information such as age, sex, marital status and additional drivers on the policy, vehicle information (make, model, year), and driving history such as how often and how far an insured drives and their driving record. Many insurance companies also ask for credit score, but Active Insurance works with companies that don’t use credit history so insureds are eligible to receive the best rates, even if they don’t have the best credit score.

City dwellers pay more for auto insurance.

Where you live influences your auto insurance rate. People who live in cities generally pay more for car insurance than rural residents because there’s a higher risk for claims due to increased traffic, accidents and theft.

It’s important to know the myths and realities of auto insurance because auto insurance is mandatory for all drivers, and quotes are based on several factors. Contact Active Insurance for more information about car insurance quotes in Chicago. We provide a variety of options that fit the needs of Illinois drivers.

 

Image Source: acuity.com

What causes auto insurance rates to increase?

Posted on by Active Insurance

Several factors can lead to a higher auto insurance premium. Insurance companies (insurers) lose money when they cover drivers who get into accidents and make claims, so it’s in their best interest to predict driver risk factors that indicate a higher chance of a claim and charge the driver an increased premium to compensate for the elevated probability of a payout.

Based on this knowledge there are many factors that can lead to increased premiums, but some of the most popular ones include:

Accidents

If you file an accident claim with your insurance company, your premium will increase at its renewal period based on the claim.

Violations

If you are convicted of a moving violation, your premium rate may increase at its renewal period. Your driving history, length of time you’ve been insured with a company and speed you were going when cited can affect whether your rate increases or not.

Moving

Where you live (zip code) influences your rate. If you move to an area with higher theft or accident rates (city versus a rural town for example), your renewal premium could reflect this change.

New Car

A new car is worth more than an older model and will cost more money to replace if it is damaged or stolen, which could result in a spike in your premium rate.

Age and Marital Status

If you’re young, single and without children, you are considered part of a higher risk category than a married person with kids. Besides the fact that a young driver will have less experience on the road than an older driver, it is assumed a single adult may not be as serious about becoming a better driver than a married adult with kids, and that can cause increases in your auto insurance rate.

Commute

If you drive a lot and have a long commute to and from work or use your car for work, your premium rate can be higher because frequent driving leads to more opportunities for accidents to occur.

Many insurers use credit score to determine auto insurance rates, but at Active Insurance we work with companies that don’t use credit history so you’re eligible to receive the best rates from us, even if you don’t have the best credit score.

Car insurance is mandatory for all drivers and how much you pay is determined by several factors. It’s important to contact your insurance company with any questions regarding increased premium rates. Contact Active Insurance for more information about car insurance in Chicago. We provide a variety of options that fit the needs of Illinois drivers and would be happy to help you.

 

Image Source: freewayinsurance.com

Does my car insurance policy cover car theft?

Posted on by Active Insurance

The short answer is every individual car policy will be different in regards to theft, so it depends. But there are some common factors that will apply to most policies.

If your vehicle is stolen and not retrieved by the police your insurance policy may cover the theft, but you must have full coverage that includes comprehensive insurance. Comprehensive insurance protects your car against damages outside of a collision, which include a wide range of events like falling objects, fire, vandalism and theft.

If any standard part of your vehicle is stolen (engine, stereo, etc.) you could be covered by your car insurance policy assuming again you have full coverage. If any personal property items are stolen from your vehicle, your car insurance policy will not cover it since protection applies to the vehicle and not to the personal items in it. However, if you have renters or homeowners insurance with off-premises coverage, one of those policies may cover your loss if you have proof (a receipt, for example) you owned the lost items.

Unlike property damage and other basic coverages where the amount of protection you want dictates the cost, comprehensive coverage prices depend on the deductible you select and the amount of coverage comprehensive insurance provides will depend on your car’s actual cash value (the car’s purchase price minus depreciation and the deductible).

It’s important to stress again that all auto insurance coverage is not equal in regards to theft. It depends on what kind of individual car insurance policy you have, so it’s important to understand what exactly your policy covers and ask your agent any questions you may have regarding theft.

Car theft isn’t completely preventable, but there are some ways to stop it by making your vehicle unattractive to car thieves. Keep your doors locked at all times, hide valuable items out of sight, always roll up your windows, never leave a spare key in the car and never leave your car running when you are not in it. Many stolen cars are due to the mistakes and oversights by the owner, so use a little common sense with your vehicle and it can go a long way.

 

Image Source: ghentonthesquare.wordpress.com

What if I get into a car accident out of state?

Posted on by Active Insurance

outofstateaccidents

Getting into a car accident is rough, but getting into one out of state can feel even worse when you are in an unfamiliar territory. Reduce the potential anxiety and mistakes associated with out-of-state auto accidents by knowing the basics.

If you get into an accident out of state, what will happen depends on a case-by-case basis. However it is always beneficial to have adequate auto insurance and generally become familiar with the road laws of the state you plan on visiting before you leave home in case of a ‘what if’ scenario.

Most automobile policies cover all areas in the U.S., U.S. territories and even Canada so you shouldn’t have an issue reporting claims that occur out of state. Your insurance company will assign you to an insurance adjuster who will handle the accident.

Liability limits vary from state to state so you will be required by the state in which the accident occurred to comply with their auto insurance requirements, not the state where you live. Insurance policies may not adjust to meet a state’s minimum legal requirements. So if, for example, you have car insurance in Chicago and the state of Illinois’ liability limit is lower than the liability limit of the state where your accident occurs, the insurance company may not adjust your policy to meet the higher liability limit of the other state. What exactly happens will depend on your specific situation, but in any case it’s important to check your policy to see if it meets the requirements of the state you plan on visiting before you leave home.

If you are injured in an out-of-state accident and want compensation for the bills acquired from it, you will need to find out if you are supposed to file in your state or in the state where the accident occurred. This will depend on the laws of the state where the accident happened. As each state has their own laws regarding limitations and conditions, several factors can affect your ability to be compensated. Contact your insurance company and an attorney (depending on the severity of the accident) to better understand how you should proceed.

State-by-state minimum coverage requirements

The following table provides information on each state’s minimum coverage requirements. The first two figures refer to bodily injury liability limits, and the third figure refers to the property damage liability limit. For example, 20/40/10 means coverage up to $20,000 for each person injured in an accident, up to a maximum of $40,000 for the entire accident, and $10,000 worth of coverage for property damage. The state minimums are based on the most current information available. You should check your specific state requirements to verify these figures.

 

State Type(s) of Coverage Required Minimum Liability Limits
AL Bodily Injury and Property Damage Liability 25/50/25
AK Bodily Injury and Property Damage Liability 50/100/25
AZ Bodily Injury and Property Damage Liability 15/30/10
AR Bodily Injury and Property Damage Liability 25/50/25
CA Bodily Injury and Property Damage Liability 15/30/5
CO Bodily Injury and Property Damage Liability 25/50/15
CT Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 20/40/10
DE Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/10
DC Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
FL Property Damage Liability, Personal Injury Protection 10/20/10
GA Bodily Injury and Property Damage Liability 25/50/25
HI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
ID Bodily Injury and Property Damage Liability 25/50/15
IL Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/20
IN Bodily Injury and Property Damage Liability 25/50/10
IA Bodily Injury and Property Damage Liability 20/40/15
KS Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
KY Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/10
LA Bodily Injury and Property Damage Liability 15/30/25
ME Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 50/100/25
MD Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/15
MA Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/5
MI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
MN Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured/Underinsured Motorist 30/60/10
MS Bodily Injury and Property Damage Liability 25/50/25
MO Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
MT Bodily Injury and Property Damage Liability 25/50/10
NE Bodily Injury and Property Damage Liability 25/50/25
NV Bodily Injury and Property Damage Liability 15/30/10
NH Financial Responsibility Only, Uninsured Motorist 25/50/25
NJ Bodily Injury and Property Damage Liability (Standard Limits Shown), Personal Injury Protection, Uninsured Motorist 15/30/5
NM Bodily Injury and Property Damage Liability 25/50/10
NY Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
NC Bodily Injury and Property Damage Liability 30/60/25
ND Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/25
OH Bodily Injury and Property Damage Liability 12.5/25/7.5
OK Bodily Injury and Property Damage Liability 25/50/25
OR Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
PA Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/5
RI Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
SC Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
SD Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
TN Bodily Injury and Property Damage Liability 25/50/15
TX Bodily Injury and Property Damage Liability 25/50/25
UT Bodily Injury and Property Damage Liability, Personal Injury Protection 25/65/15
VT Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 25/50/10
VA Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/20
WA Bodily Injury and Property Damage Liability 25/50/10
WV Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/10
WI Financial Responsibility Only, Uninsured Motorist 50/100/15
WY Bodily Injury and Property Damage Liability 25/50/20

See more at http://www.360financialliteracy.org/Topics/Insurance/Cars-and-Auto-Insurance/State-by-State-Minimum-Coverage-Requirements#sthash.ttCThm6d.dpuf

Image Source: winstonpersonalinjury.com

No-fault Insurance Frequently Asked Questions

Posted on by Active Insurance

no fault insurance

What is no-fault insurance?

No-fault insurance, also called personal injury protection (PIP), is designed to lower potential litigation lawsuits and expenses associated with auto accidents. In its strictest form, no-fault insurance applies to state laws that both restrict the right to sue and provide for the payment of no-fault first-party (policyholder) benefits. The insurance companies in no-fault states compensate their policyholders for economic damages (personal injury claims), regardless of who is at fault in an auto accident.

There are only 12 states that currently have or include no-fault insurance. They are Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota Pennsylvania and Utah. Three of those states—Kentucky, New Jersey and Pennsylvania—have a “choice” no-fault law and may retain the right to sue for auto-related injuries, while the other nine states have no alternative to no-fault insurance.

How does no-fault insurance work?

Let’s say two cars collide in a no-fault state and both drivers need medical care. Each driver files their personal injury claims with their respective insurance companies instead of recovering their economic damages through reimbursements from the other driver’s insurance company. The insurance company must pay the personal injury claims filed by its policyholder regardless of who is at fault for the accident.

Under current no-fault laws, motorists may sue for severe injuries and for pain and suffering only if the case meets certain conditions, which are known as thresholds. A verbal threshold may be expressed in verbal terms (such as death) or a monetary threshold can be expressed in terms of dollar amounts for medical bills. The main idea of using thresholds is to prevent lawsuits over every single injury and to limit the suits to “serious injuries.” However, state no-fault laws differ on the definition of “serious.” As a result, it is crucial to understand your state’s no-fault laws.

What does no-fault insurance cover?

Bodily injury: Liability coverage in a traditional car insurance policy pays for bodily injury claims for anyone injured in an accident which you have been deemed at fault. The bodily injury coverage with no-fault insurance extends to you.

Medical bills and other losses: No-fault insurance covers your medical bills and possibly any associated losses (such as loss of income for a period of time) depending on the policy and state where you live. Because no-fault systems restrict litigation on economic damages, personal injury claims from an auto accident are paid pretty quickly as you don’t have to go after the other party’s insurance company to get reimbursed for damages.

What does no-fault insurance not cover?

No-fault insurance doesn’t generally apply to property damage claims (repair bills for your car or personal property inside the car that was damaged during the accident) since it covers the costs associated with personal injury. No-fault insurance also doesn’t cover severe injuries and pain and suffering.

If you live in a no-fault state, check the specifics of your policy to better understand what exactly it covers.

Image Source: wgelaw.com

What happens if I drive with an expired license?

Posted on by Active Insurance

If you get caught behind the wheel with an expired license you could face penalties including tickets, fines, vehicle impoundment and even arrest depending on the state where you live.

Each state regulates expired licenses differently. In Illinois, it can escalate from a ticketed violation to a criminal offense. According to Illinois state law, “No person shall drive a motor vehicle unless he holds a valid license or permit, or a restricted driving permit issued.” (625 ILCS 5/6-101) Active military members and their families are allowed to apply for a deferment, which gives them a limited time period to drive on an expired license. Other than that, it’s against the law for any driver to operate a vehicle with an expired license. There is a grace period of up to one year to renew an expired Illinois drivers license. If a driver fails to renew the license within a year, additional driving tests may be required as part of the renewal process.

Police Officer Approaches Female Driver

There can be serious consequences if a person drives with an expired license and is pulled over by the police. If a license is expired for less than a year, a ticket and a fine of up to $1,000 may be issued. If a driver’s license is expired for more than one year, the offense is considered a Class B misdemeanor that has a $1,500 fine with a possible jail sentence of up to six months. Under some circumstances, the police can impound a driver’s vehicle if a person is driving with an expired license and without proof of car insurance. It’s also important to note that if you are convicted of driving with an expired license, the Illinois Secretary of State will suspend your license and you must wait until the suspension period is over to apply for a new one.

Illinois drivers must renew their private passenger and motorcycle licenses:

  • 3 months after their 21st birthday
  • Every 4 years if they are 21-80 years old
  • Every 2 years if they are 81-86 years old
  • Every year if they are 87 and older

*Licenses may be renewed up to one year before a four-year or two-year license expires, or six months before a one-year license expires.

Renew your drivers license before it expires to avoid penalties and abide by Illinois driving laws. If you have any issues obtaining car insurance in Chicago because of your driving record, contact Active Insurance today.

Sources:

https://www.cyberdriveillinois.com/departments/drivers/drivers_license/drlicid.html

http://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=062500050K6-101

10 Tips On How To Get Your Car Unstuck This Winter

Posted on by Active Insurance

With winter’s grasp firmly upon us, the issue of getting stuck becomes more prominent in our daily lives. Whether you are just slipping a little or the wheels are buried to the axles, these 10 tips on how to get your car unstuck are not only helpful, but can prove to be a lifesaver. All of these tips have been compiled through years of getting stuck ourselves.

  1. Don’t stop! If you are sliding off the road, headed towards a drift, slush pile, etc. and do not stop. Your vehicle’s momentum can carry you out of the mush. The same goes for when you are stuck and get some movement. Don’t stop until you are absolutely stuck. Even a little bit of constant movement is better than just spinning wheels.
  2. Don’t spin the wheels. When you are stuck and your tires are just spinning, stop. Unless you are on solid ground (concrete or asphalt), stomping the pedal and spinning the wheels is just going to make it worse.
  3. Apply proper power. Use your throttle sparingly and in the right way. If too much power is overpowering the tires and snow, use part throttle. You’d be surprised how less power might just get you out.
  4. Shift to low. Make sure your automatic transmission is shifted into the lowest gear. For manual transmissions, you actually want to shift into a higher gear, such as 3rd or 4th, and use the clutch to control the spin. There will be less shock on the tires and you will have more control to keep the tires from spinning.
  5. Turn off the traction control. This one might seem counter-intuitive, but when you are stuck and need power to the wheels, any slipping will cut the power right when you need it. Push the traction control button to turn it off. Some vehicles require you to push and hold the button for several seconds. With this off, you will be able to spin the tires all day. Watch out for using too much power though. (see #2)
  6. Rock it, baby. The classic ‘unstuck’ move is called rocking. This is a maneuver where you use the engine to roll the vehicle forward, put it in reverse, roll it backward, and then shift to drive and roll forward. Doing this several times builds momentum for the vehicle, often getting it out of the rut it is stuck in. Once you are over the hump and rolling in one direction, power out of the mess until you are on solid ground.
  7. Use traction devices. It is too late to add chains or cables to your tires, but you can use other items to enhance the grip of your tires. Rocks (quarter size and smaller), sand, even small branches and sticks can give you the grip you need to get out. It is a good idea to carry a bucket or bag of sand, pebbles, kitty litter, etc. when you live in snow-prone areas. Kitty litter, in particular, is one of the greatest all-time fixes so keep a small bag in the trunk during the winter.
  8. Go straight ahead. Make sure your tires are pointed straight. There is considerably more stress on the tires when they are turned. This means it is harder for the vehicle to move, and therefore easier for the tire to spin rather than get traction and push or pull the vehicle out of the mess.
  9. Let some air out. When you just can’t get the grip, try letting some air out of the tires. This makes a wider contact patch and can give you the necessary grip to get out. Just don’t forget to inflate the tires to the proper specification as soon as possible. Until you get the tires inflated, keep the speed down so you don’t ruin your tires.
  10. Life’s a snow garden, can ya dig it? Sometimes, you just have to get down and dig. Carrying a camp shovel will make this easier, but a stick, wood board, or even a plastic cup can get the snow and mud out of the way. The idea here is to dig a long ramp from the tire to the flat ground instead of a deep sudden rut that you likely find yourself in. Additionally, there may be a large mass of snow under the chassis, making it difficult to move. You need to try to remove as much of this as possible.

If you can’t get your car unstuck with these tips, call a tow truck for assistance. Make sure your tailpipe is clear of snow so that the exhaust fumes don’t back up into the cab of the vehicle. This is now the time to break out your winter emergency car kit, sit tight and wait for the cavalry. Stay safe!

Active Insurance is a Chicago car insurance agency that provides auto insurance options to fit the needs of Illinois drivers. We also provide roadside assistance for $39 per year, and it includes 24 hour emergency towing, tire service, battery service and lost key/lockout service. Contact us for more information.

*This article was originally published by Jefferson Bryant on Napa Know How Blog.

*Image Source: Napa Know How Blog

Car Crashes On The Rise For 2015. Why?

Posted on by Active Insurance

After years of decline in fatal car crashes, new data shows a rise in car accidents and auto-related deaths for the first half of 2015. What’s the cause?

Most experts agree the common causes for fatal auto accidents are speeding, intoxication and not wearing a seat belt. However this combination of factors can’t be the only reason for the rise. As stricter laws enforce the use of seat belts, drunk driving consequences and safer cars, fatal crashes were falling in numbers over the last several years up until this year.

According to the nonprofit National Safety Council (NSC), a combination of factors contributed to the upsurge of auto accidents for the first half of 2015: gas prices were lower than previous years, the unemployment rate decreased and unpleasant weather conditions in some parts of the country even played a role. With more drivers on the road there’s naturally a higher chance for mistakes and bad decisions to be made, which increases the occurrence of accidents. But one major contributor that continues to be analyzed is cellphones.

blog-img

Though most states ban texting while driving and require hands-free devices when behind the wheel, distracted driving (specifically with talking, texting and other uses for smartphones like watching videos) continues to be examined as a contributing factor since the NSC estimates 1 in 4 crashes involve a cellphone. Even billionaire businessman Warren Buffett found it difficult to come to any other conclusion based on the data and has said, “If cars are better–and they clearly are–drivers must be worse.” (adjusted for mileage)

The record number of car-related deaths for 2015, which is estimated to go above 40,000 for the first time since 2007, has resulted in higher premiums for drivers. Some of the largest auto insurers have raised their premiums to counter the expenses related to new accident claims. If the auto accident and auto-related death rates continue to increase, more car insurers may have to increase their premiums to offset the frequency and severity of insurance claims.

At Active Insurance, we can help you find cheap car insurance in Chicago so you will be covered in case of an accident. As an independent family-owned agency, we find cheap auto insurance rates that meet the needs of our customers. Contact us today to get a free quote, and remember when you’re behind the wheel, always practice safe driving to protect you and your fellow drivers on the road. It could save a life!

Image Source: sites.psu.edu