What Is The Penalty For Riding A Vehicle Without Insurance in Chicago?

Navigating the bustling streets of Chicago without vehicle insurance is not only risky but also illegal. In this comprehensive guide, we’ll explore the penalties you might face if you’re caught driving without insurance in the Windy City. 

From fines to potential jail time, understanding these consequences can help you make informed decisions and avoid legal pitfalls.

Why Is Car Insurance Important?

Car insurance is essential for several reasons:

  • Financial Protection: In case of an accident, insurance helps cover the cost of damages and medical expenses, protecting your finances from unexpected and potentially high costs.
  • Legal Requirement: Almost all states, including Illinois, require drivers to have a minimum level of insurance. This legal obligation ensures that all drivers can cover the costs associated with accidents.
  • Peace of Mind: Knowing you’re covered allows you to drive with confidence, reducing stress and anxiety about potential accidents and their financial repercussions.

Illinois’ Mandatory Insurance Law

In Illinois, all drivers are required to carry liability insurance. This law ensures that, in the event of an accident, motorists can cover the costs associated with damages or injuries they may cause. The minimum coverage requirements in Illinois are:

  • $25,000 for injury or death of one person in an accident.
  • $50,000 for injury or death of more than one person in an accident.
  • $20,000 for damage to another person’s property.

Penalties for Driving Without Insurance in Chicago

Driving without insurance in Chicago can lead to severe consequences. Here’s what you can expect:

1. Fines

If you’re caught driving uninsured, you can face hefty fines. The penalties for a first offense include:

  • $500 fine for operating an uninsured vehicle.
  • $1,000 fine if you’re involved in an accident without insurance.
  • The fine may increase for repeat offenders.

2. License Suspension

Your driver’s license may be suspended for driving without insurance. The suspension periods are as follows:

  • First Offense: Three-month suspension.
  • Subsequent Offenses: Longer suspension periods, potentially up to a year.

To reinstate your license, you’ll also need to pay a reinstatement fee of $100.

3. Vehicle Impoundment

The police have the authority to impound your vehicle if you’re caught driving without insurance. This means your car will be taken to a secure location, and you will be unable to use it until certain conditions are met. 

To retrieve your vehicle, you’ll need to provide proof of insurance and pay all associated towing and storage fees. These fees can add up quickly, so it’s important to address the situation as soon as possible. 

Additionally, driving without insurance can lead to other fines and penalties, impacting your driving record and financial situation.

4. SR-22 Requirement

After a suspension due to driving without insurance, you may be required to file an SR-22 form with your state’s DMV. This document serves as proof that you have the necessary liability coverage to legally operate a vehicle.

Typically, the SR-22 requirement lasts for three years, during which time you must maintain continuous insurance coverage. Failing to do so can result in the suspension of your driving privileges again.

Additionally, having an SR-22 on your record often leads to higher insurance premiums, as insurance companies view you as a higher-risk driver. It’s crucial to stay informed about your state’s specific requirements and work with your insurance provider to ensure compliance.

5. Potential Jail Time

While not common for first offenses, repeat offenders may face jail time. Judges can impose a sentence of up to one year in jail for those who continually drive without insurance.

Avoiding Penalties and Staying Insured

To avoid these harsh penalties, it’s crucial to maintain adequate car insurance. A lapse in coverage can result in significant fines, legal issues, or even the suspension of your driving privileges. 

Here are some tips to help you stay insured and possibly save some money in the process:

  • Shop Around: Don’t settle for the first quote you get. Compare insurance rates from multiple providers to find the best deal. Use comparison websites or contact agents directly to get a range of prices.
  • Bundle Policies: Many insurers offer discounts if you bundle your car insurance with other policies, like homeowners’ or renters insurance. This can significantly reduce your overall costs.
  • Maintain a Clean Driving Record: A good driving record can help lower your insurance premiums. Avoid accidents and traffic violations to keep your record spotless.
  • Consider Usage-Based Insurance: If you don’t drive often, usage-based insurance might be a cost-effective option. This type of policy bases your premium on your driving habits, so you can save if you’re a low-mileage driver.
  • Take Advantage of Discounts: Many insurers offer discounts for things like good grades, safe driving courses, or anti-theft devices. Be sure to inquire about any potential discounts that you may qualify for.

By following these tips, you can ensure you have the necessary coverage and might even find ways to reduce your premiums.

Conclusion

Driving without insurance in Chicago is a gamble that can lead to significant legal and financial repercussions. By understanding the penalties and taking steps to ensure you’re adequately covered, you can avoid these consequences and drive with peace of mind.

If you have any questions or need further assistance, don’t hesitate to reach out to a local insurance agent. They can provide personalized advice and help you find a policy that meets your needs. Stay safe and responsible on the road!

Ready to Get the Perfect Coverage with Amigo Insurance?

Don’t let the complexities of auto insurance stress you out! At Amigo Insurance, we’ve got your back. Our experienced agents are here to help you find the best policy tailored to your needs, ensuring you’re well-protected without breaking the bank. 

Whether you’re a daily commuter battling Chicago traffic or simply need reliable coverage for peace of mind, we’ve got you covered.Get your quick quote now! Let’s make sure you’re driving with peace of mind. You can also call us at (773) 847-9000 to know more. Your amigo on the road, always!

What You Need to Know About Auto Insurance in Chicago

Hey there, fellow Chicagoans! If you’re navigating the bustling streets of our beloved Windy City, you know having the right auto insurance is as essential as your deep-dish pizza cravings. 

Let’s take a ride through everything you need to know about securing the best coverage for your set of wheels in Chicago.

Why Auto Insurance is a Must-Have in Chicago

First things first—why is auto insurance so crucial here? Well, for starters, Illinois law mandates that all drivers carry at least minimum liability insurance. But beyond the legal requirements, having good coverage can save you from financial headaches down the road. 

With our unpredictable weather and famously busy traffic (hello, Loop!), having the right insurance ensures you’re protected against unforeseen incidents.

Key Types of Auto Insurance Coverage

Before we dive into specifics for Chicago, here’s a quick rundown of the main types of auto insurance coverage:

  • Liability Insurance: Covers costs if you’re at fault in an accident and need to pay for damages or injuries.
  • Collision Insurance: Pays for repairs to your car after an accident, regardless of who’s at fault.
  • Comprehensive Insurance: Protects your car from non-collision-related incidents, like theft or weather damage.
  • Uninsured/Underinsured Motorist Coverage: Offers protection if you’re in an accident caused by a driver with insufficient or no insurance.
  • Personal Injury Protection (PIP) or Medical Payments Coverage: Covers medical expenses regardless of fault.

Chicago-Specific Considerations

Living in Chicago comes with its own set of unique challenges and benefits when it comes to auto insurance. Here are a few factors to keep in mind:

1. Weather Woes

Winter in Chicago can be brutal.

Snow, ice, and freezing temperatures contribute to road hazards, increasing the likelihood of accidents. Comprehensive coverage is a smart move to protect your car from weather-related damage.

2. Traffic Troubles

We love our city, but let’s be real—the traffic can be a nightmare. The dense population and heavy traffic congestion mean higher chances of fender benders.

Make sure you have robust collision coverage to avoid out-of-pocket expenses for repairs.

3. Theft Rates

Car theft rates in Chicago are higher than the national average. Comprehensive coverage will safeguard you against theft or vandalism, giving you peace of mind when you park your car on the street.

How to Choose the Best Auto Insurance for Your Needs

Finding the right auto insurance doesn’t have to be a chore. Follow these steps to streamline the process:

1. Assess Your Needs

Take stock of your driving habits, the value of your car, and your budget. Consider how frequently you drive, the conditions you typically drive in, and whether you have any high-value items in your vehicle that might require additional coverage.

This thorough assessment will help you decide which types of coverage are necessary to meet your specific needs and provide peace of mind.

2. Shop Around

Don’t settle for the first quote you get. Compare rates from multiple providers to find the best deal. Websites like NerdWallet and The Zebra make this easy and hassle-free by allowing you to compare various policies side-by-side.

Additionally, don’t hesitate to reach out to insurance agents directly for personalized quotes, which might offer additional insights and options tailored to your situation.

3. Check for Discounts

Many insurers offer discounts for safe driving records, bundling policies, or even being a good student. Inquire about loyalty discounts if you have been with your current provider for a while or if you have multiple policies with them, such as home and auto insurance.

Be sure to ask about any specific discounts you might be eligible for, as these can significantly reduce your premium costs.

4. Read the Fine Print

Ensure you understand what is and isn’t covered under your policy. Pay attention to deductibles, coverage limits, and any exclusions. It’s crucial to read and understand the terms and conditions to avoid any surprises when you need to file a claim.

If there’s anything you don’t understand, don’t hesitate to ask your insurance provider for clarification. Knowing exactly what your policy covers will help you make informed decisions and avoid potential pitfalls.

Tips for Lowering Your Auto Insurance Premium

Want to save some cash? Here are a few tips to help lower your premiums:

  • Increase Your Deductible: Opting for a higher deductible can significantly lower your monthly premium. However, it’s crucial to ensure you have enough funds set aside to cover the deductible in case you need to file a claim. Weigh the immediate savings against potential future expenses to make an informed decision.
  • Maintain a Good Driving Record: Practicing safe driving habits not only keeps you and others safe but can also lead to substantial discounts on your insurance premiums over time. Avoiding accidents and traffic violations demonstrates your responsible behavior to insurers.
  • Bundle Policies: If you hold multiple insurance policies, such as home or renters insurance, consider bundling them with the same provider. Many insurance companies offer discounts for bundling, which can lead to more comprehensive coverage at a reduced rate.
  • Take Defensive Driving Courses: Completing an approved defensive driving course can not only enhance your driving skills but also make you eligible for discounts with some insurers. These courses provide valuable techniques for handling unexpected situations on the road, contributing to safer driving habits and potential cost savings.

Final Thoughts

Navigating the ins and outs of auto insurance in Chicago might seem daunting, but with the right information and a bit of research, you can find a policy that fits your needs and budget. Remember, the goal is to stay protected and prepared for whatever the road throws your way.

Got more questions about auto insurance? Feel free to leave a comment or reach out to us directly. We’re here to help you drive safely and confidently in our beautiful city.

Ready to Get the Perfect Coverage with Amigo Insurance?

Don’t let the complexities of auto insurance stress you out! At Amigo Insurance, we’ve got your back. Our experienced agents are here to help you find the best policy tailored to your needs, ensuring you’re well-protected without breaking the bank. 

Whether you’re a daily commuter battling Chicago traffic or simply need reliable coverage for peace of mind, we’ve got you covered.

 Get your quick quote now! Let’s make sure you’re driving with peace of mind. You can also call us at (773) 847-9000 to know more. Your amigo on the road, always!

How does gender influence your car insurance in Illinois?

Here is what you should know about Gender and Car Insurance Rates!

Does gender really matter when pricing my car insurance?

Hey there, Amigo!

Ready to buckle up and dive into a fascinating world where car insurance meets gender equality? Hop on in and let’s hit the road together as we explore the thrilling twists and turns of this topic!

The short answer to this question is yes and no….

Did you know that not too long ago, whether you were a guy or a gal could actually affect how much you paid for car insurance? Yup, you heard that right! Back in the day, statistics showed that women tended to be safer drivers, leading to lower insurance premiums for the ladies. It was like a little bonus for being awesome behind the wheel!

But hold onto your steering wheels, because here comes the plot twist: recent years have seen a major shift in this practice. In a move to promote fairness and equality, several states, including California, Massachusetts, and Hawaii, have put the brakes on using gender as a factor in determining insurance rates. That means it’s not about whether you rock a tie or lipstick – it’s all about your driving skills and record now!

Now, let’s rev up our engines and zoom into some cool fun facts about gender and car insurance rates:

The Gendered Road: Back in the day, insurance companies often relied on gender as a key factor in setting rates. Women were seen as safer drivers, which meant they could enjoy lower premiums compared to their male counterparts. It was like a secret advantage hidden in the glove compartment!

The Rise of Equality: Fast forward to today, and the winds of change have blown through the world of car insurance. Several states have waved goodbye to gender-based pricing, opting instead for a fairer system that focuses on your actual driving habits. It’s a win-win for everyone on the road!

Driving Toward Fairness: With gender no longer in the driver’s seat when it comes to setting insurance rates, it’s all about putting safety first. Your driving skills, habits, and record are now the stars of the show, ensuring that everyone gets a fair shake when it comes to protecting their ride.

But hey, what does this mean for you, our awesome readers and customers in Illinois? Well, it means that here at Amigo Insurance Agency, we’re all about giving you the best ride possible. Whether you’re a speed demon or a Sunday driver, your safety and peace of mind are our top priorities.

So, if you’ve got questions about your policy or pricing, don’t hesitate to give us a honk! Our friendly team is here to help you navigate the twists and turns of the insurance world with ease.

Remember, whether you’re hitting the highway or cruising the city streets, drive safe, drive smart, and let’s make every journey a memorable one together!

Hit it here to get a free quote today!

Talk to you soon, amigo!

Top Reasons a Winter Car Wash Is Good for Your Car

A car can become pretty unsightly in the winter, particularly when driving along snowy roads and after traversing any area covered in salt. If you drive in a cold-weather state you’ve likely seen the results: a messy exterior that is in need of a serious cleaning. Some obvious advantages of doing so include:

  1. Rust Protection
  2. Keeping Parts from Failing
  3. A More Attractive Vehicle

But when temperatures hover around or below freezing, folks are not often keen to leave their homes and head out on the road again. You might even be concerned about the effects a car wash can have on a vehicle in extremely cold weather.

Should You Worry About a Car Wash in Freezing Weather?

When temperatures are frigid, should you even consider taking your car through a car wash? It can certainly be tempting to simply embrace that “winter look” until spring. But there are numerous benefits to washing off the salt and grime – sooner rather than later – on a regular basis.

Determining factors can also include:

  • The current temperature
  • Recent weather
  • Salt accumulation
  • Heated areas
  • Hand-dry services

Here are a few simple rules of thumb to help you sort out the best decision for your vehicle:

Reasons You Should Wash Your Car Regularly in Winter

Keeping your vehicle clean in wintertime will help protect it from rust caused by all that salt on the road, not to mention additional salty debris sprayed at you by other vehicles passing by. Rusty ice and grime can end up corroding the undercarriage and even get into the car if you’re not careful.

A good rule of thumb in wintery regions with more extreme weather is to get a car wash every one or two weeks. Naturally, you can make your own call. If you’re out on the road every day in horrible weather, it might be a good idea to go through a car wash more often. But if there hasn’t been any precipitation lately, another trip to the car wash might be unnecessary.

Just remember that after a very snowy day, those damaging elements will build up underneath your car, even if you don’t notice it happening.

When to Put off a Car Wash in Freezing Weather

Sometimes it’s best to exercise discretion before going to the car wash in the winter. For example, is there a heated area to park your vehicle? When it’s extremely cold outside, things can freeze up quickly. You may not be aware that water has accumulated in the locks or door jams of your vehicle. The last thing anyone needs is difficulty entering or exiting their car due to an effort to clean it on a wintry day.

If the temperatures are heading toward the low 30s or lower and there’s no heated space to wait in your vehicle, consider giving it a pass. And if worse comes to worst, a call to a few car washes near you might help determine which one is the safest. One that uses hand towels to dry off each vehicle can be the best option for drivers this time of year.

And as always, use common sense! If you haven’t been out on the road or it’s been an especially dry winter – with minimal road salt used – then yet another wash may not be worth your time and money.

Protect Yourself with Comprehensive Auto Insurance Coverage from AMIGO

There are other potential upsides to driving a vehicle that shines. It makes you more proud to be the owner, for one, and can eventually help boost the resale value. Another reason to put regular car washes on the calendar is that it can be very tempting to hunker down in the warmth of your home, even if your car desperately needs some attention.

Keep in mind that other protections are also important all year round. For most drivers this includes comprehensive insurance protection that matches their needs, as well as the other drivers who may need to use their vehicle.

Talk to an agent at Amigo Auto Insurance to make sure you’re getting the most appropriate insurance package today.

A car driving on a snowy road.
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Top Trends in Auto Insurance You Should Know About

Developments in vehicle technology and efficiency are always exciting. But don’t overlook another area that can impact your ability to drive: your auto insurance. A lot is happening in this area, as well. And with so much other car news grabbing our attention, it pays to take a look at trends in the insurance industry that might impact you or even benefit you financially.

With that in mind, below are four major trends in the auto insurance industry that every driver should know about.

1. Pricey Auto Technology Has Impacted Overall Cost of Insurance

Inflation has had an impact on many things. But one factor that may surprise you: the cost of repairing even small, technically advanced systems in vehicles today. Technology is built into everything from engines to electronic sensors to dashboard features. This can make it more expensive to fix or replace parts after a minor collision. Even if your particular vehicle is older, your rates might still be affected by overall trends in auto accidents.

2. There Are Ways to Save Money on Auto Insurance

Fortunately, there are still numerous ways to potentially save money on auto insurance. Plans get priced differently based on a number of factors, such as whether you make payments monthly or annually and what deductible you choose. The Zebra, which tracks auto insurance trends, reported multiple ways drivers have saved on their auto insurance:

  • “Motorists with usage-based insurance (UBI) policies save about 3% on their car insurance premiums.”
  • “Raising your deductible from $500 to $1,000 saves an average of 13% on your total insurance rate for the year.”
  • “A driver who maintained 100/300 liability coverage for five years [might] save 15%.”

While these figures don’t apply to everyone, they are a reminder to ask about discounts, usage-based policies, and other possible ways to save dollars on your plan.

3. Commercial Drivers & Rideshares Like Uber and Lyft May Need Special Coverage

Do you drive as part of your job? More than a third of drivers in the U.S. use rideshare apps, and that number is growing. Rideshare companies like Uber and Lyft have changed how we drive and who makes money using their personal vehicles. Whether you’re a Lyft driver or you use your pickup truck for work, it’s important to be sure you have the right type of coverage. Like other professions that require vehicle usage, your work habits can potentially affect the type of coverage you need.

If you sometimes transport people or goods for work, talk to an insurance agent about commercial insurance coverage to make sure you’re protected. Maybe what you already have is fine. But the last thing you want is to discover after an accident that your plan is insufficient to cover your financial needs.

4. It’s Important to Shop Around for the Most Competitive Insurance Rates

With so many insurance companies out there, it can be a little overwhelming to figure out which one is right for you. Many things – where you live, whether you’ve been in an accident, what car you drive and even your age – can play a role in determining what a company might charge you.

Insurance rates have gone up over the last decade along with other routine expenses. Since drivers are legally obligated to be insured, it makes sense to shop around and get the best coverage and rates for your needs. Once you get multiple quotes from an insurance agent you’ll have a better picture of the options available to you.

Ask About Getting the Best Auto Insurance Coverage at AMIGO This Year

It always feels good to kick off a new year on the right foot, and that includes getting the right insurance coverage to protect all the drivers in your household. An agent at Amigo Insurance will help you find the lowest rates while making sure the necessary bases are covered for you and your whole family. We provide coverage for drivers throughout the Midwest, in Texas, even in Mexico, and as we grow so do our coverage areas.

Contact Amigo Auto Insurance to find the best insurance quotes today.

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Auto Shopping 101: What Add Ons Bump Up the Price of a New Car

Most people buying a new car end up paying more than the sticker price. But buyers should ultimately be in charge of what will bump up the price of a new car. Add-ons are a way to upsell buyers, in addition to providing features that drivers genuinely want.

So how do you avoid overpaying for your new car?

  1. First, determine how much money is in your budget to cover the full cost of owning a new vehicle.
  2. Then, become familiar with features that dealerships sell to car buyers for the model you are considering.
  3. Finally, decide which add-ons are must haves for you – and which are not.

To become more educated on the subject, consider some of the most common ways that dealers bump up the prices of new cars.

Extended Warranties

The extended warranty is a highly common way that car dealers make thousands of extra dollars on sales. However, keep in mind that a warranty may already be included in the cost of a new vehicle. As Kelley Blue Book puts it: “There are reputable companies that offer reliable warranties that can protect you from the cost of unexpected repairs. But there are at least as many, if not more, scammers looking to sell you a virtually useless extended warranty.”

Roof Racks

Unless you plan to strap bicycles or luggage on top of your car before your next road trip, you may want to reconsider this add-on. For one thing, racks can easily be installed on a vehicle after the fact. You may decide that the rear is a more practical location for your bike rack and that you want to find the most appropriate option for your needs.

In addition, a roof rack will add a couple inches to the height of the vehicle. You never know when you’re going to face a tight squeeze when heading toward a tunnel.

Various Types of Protection

Dealerships will often offer options for different types of promotions that can be added to a vehicle after the fact. And in many cases, it is difficult to know how much of a benefit these features will truly provide. If you are new to car shopping, take these offers of better protection with a grain of salt.

Here are some of the added protections, both inside and out, that might bump up the cost of a new car:

  • Leather protection
  • Tire and wheel protection
  • Paint (dent and ding) protection
  • Fabric protection

Ask About Dealer-Installed Accessories That Are Optional

From the latest in cool auto technology to stolen vehicle recovery, you may find out that certain accessories have already been installed in the vehicle you want to purchase. Take your time to go through the list and determine the cost of any dealer-installed accessories and whether you want to keep them.

Buyers should never feel pressured into buying these items. Salespeople can be skilled at convincing consumers that they need a particular add-on and that the cost is worth it. At the end of the day, you get to decide whether these items are in your budget and what you want included in the final sale.

Talk to an Auto Insurance Agent to Find the Best Deals for You

Add-ons aren’t the only thing that can boost the cost of owning a car. Routine maintenance and repairs, auto insurance, and gas should also be figured into the long-term cost of auto ownership.

Speak with an agent at Amigo Insurance to determine which insurance package is best for your needs. You may even want to have this conversation before buying your new car so you’re aware of what your monthly payments are going to be. Ask about premium options, annual price hikes, and anything else that might help you make a choice that is best for you.

Call Amigo to get a free quote from one of our agents today.

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Best Midwestern Road Trips to Take This Fall

Don’t let summer road trips get all the attention. Tourists and Midwesterners alike should make plans each fall to experience the region’s many scenic, winding roads, nature preserves, and, of course, the changing colors of the radiant fall leaves. The area is rich in history as well as beautiful local routes if you’re looking for a fun autumn drive with friends.

As long as your car is in good shape and you’re fully protected with comprehensive car insurance, then hitting the road for a day or more is an ideal way to experience a whole spectrum of spectacular autumn landscapes.

We have a few ideas on where to get started.

Explore National Scenic Byways in Wisconsin and Beyond

National Scenic Byways offer a variety of attractions, from charming farms and villages to lakes and forest preserves. Some of the most popular byways run from the Upper Peninsula to the Lower Peninsula in Wisconsin. Three to consider include:

  • U.S. Route 16
  • Highway 12
  • Highway 20

What makes these roads special is that they give travelers an opportunity off the beaten path to explore the natural beauty and sites from the comfort of their vehicle. Some wind through forests, past rivers, and over tall bluffs. Others lead through farmland and small historic towns.

The landscape of Wisconsin is known for offering motorists a variety of views, from rolling hills to picturesque villages, particularly this time of year. Whether you are looking for a quiet drive or a challenging adventure, Wisconsin has something for everyone.

Ohio River Scenic Byway

Some of the best drives take place where the roads are winding and intersections are few. But ones like the Ohio River Scenic Byway are known for their historic value as well as the great views. This popular route consists of hundreds of miles of road that traverse through southern Indiana and past amazing views of the Ohio River’s serene shoreline.

In addition to its interesting history, the area features caves to explore, vibrant hillsides, and even limestone bluffs so visitors can get out of their cars, stretch, and do a little hiking.

Take a Beautiful Fall Drive from Indiana to Illinois

Naturally, the Land of Lincoln has many historic spots related to the former president. But while Indiana is known for many things, it sometimes gets overlooked when it comes to autumn beauty. In fact, the state is rich in history and its own unique scenic routes that are worth visiting if you’re looking for something different. Its country roads will take you through the countryside to hilly villages, or through gravel back roads if that’s your style.

In addition, the Midwest is known for its historic bridges, many of which are still in use today. Check out the Tulip Viaduct (Or Tulip Trestle), a historic railroad bridge in Indiana that is one of the longest of its kind in the world.

No matter where you go, miles of beautiful trees will be changing color. Bring friends and family so you can enjoy other activities the area has to offer, from ones out in nature (like hiking, camping, horseback riding and off-road biking) to local food, crafts, and live entertainment.

Get Comprehensive Auto Insurance & A Tuneup Before Your Next Road Trip

Amigo Insurance is located in Illinois, Indiana, Wisconsin, Texas, and Mexico, all of which provide beautiful scenery for you and your fellow passengers to enjoy on your next road trip. Speak to an agent so you know you have just what your family needs but aren’t overpaying for unnecessary services.

And don’t forget to give your car some TLC, as well. As lovely as autumn road trips can be, those leaves and debris can break down and make their way into your car if you’re not vigilant about cleaning and routine maintenance. So be sure to give your car a tuneup before and after any major road trips so you know your vehicle is in tip top shape.

At Amigo, one of our agents will provide you with a free quote on the most appropriate coverage for your needs. Ask about the best auto insurance protection to have while on the road.

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What to Know About the Gears in Your Vehicle

Drivers tend to use the same few gears in parts of the country where hills are few and far between. But those other gears do serve a purpose, and it is important for drivers to know what the differences are, both for safety reasons and practical ones.

The typical gear selector in an automatic car includes:

  • P (Park)
  • R (Reverse)
  • N (Neutral)
  • D (Drive)
  • S (Sport)
  • L (Low – sometimes D1, D2, etc.)

In case these weren’t all covered in Drivers Ed, here’s how they might come in handy next time you’re behind the wheel.

When to Use Lower Gears

People who drive on flat, even terrain tend to stick to Drive, the default gear for flat, straight roads. You can shift into L, which puts your car in a lower gear, if you have extra weight in your vehicle or are being towed.

When on steep inclines or declines, automatic cars usually shift to a lower gear for you. Still, shifting into L, D1 or D2 (depending on the vehicle) can help out in hilly areas, or should you venture into mountainous territory. It’s best not to ride your brakes when driving downhill, and being in a lower gear takes the burden off of your brake system. In some cars, D3 exists to add control when roads are wet and slippery or in certain off-road situations.

Check your manufacturer’s manual to find out more about the low gears included in your model.

What About the Sport Gear?

While not necessary, some cars allow you to shift into Sport (S) for a more dynamic feel when driving. This leaves the car in gear for longer periods of time between shifts. Doing so can give you a feel of more power on winding roads when coming out of those turns.

When Should You Put Your Car in Neutral?

Neutral means you are unable to accelerate or reverse but are released from the park position. Shifting to neutral enables your car to move slowly backwards or forwards, which it might do if it is on an incline or because it is being pushed. This gear is usually used when the car is unable to be driven – for example, if it is stuck in snow or needs to be pushed out of mud and back onto a drivable surface. Having the vehicle in neutral protects it from jumping forward in these types of situations, putting you or someone else in danger.

The Left Button and Other Things to Consider When Shifting Gears

Not all gears shift precisely the same way in every car. Many current models have a button on the left that needs to be pushed inwards any time you’re shifting out of park. This is included for safety reasons. Similarly, the button must be pressed to shift from drive into reverse. However, it isn’t intended for shifting between gears that are used when moving forward.

Modern automatic vehicles tend to shift smoothly and seamlessly, with little effort. But the process is quicker on some models than others. You may even notice a slight delay when putting your car in reverse. Drivers should wait a moment after shifting into Reverse or Drive before accelerating to be sure they are fully in the proper gear, and then proceed cautiously.

There’s a reason you don’t want to be too rough on your gear shift. Impatient drivers put more wear and tear on their gears, brakes and other parts of their car, and eventually these parts may need to be replaced. Treating your gear shift with care will help you get a little more mileage out of your vehicle.

Be Sure to Learn the Gears on Your Specific Vehicle

The gear shifts don’t appear the same on every model. A Prius, for instance, shifts gears when you rotate a gear ring near your dashboard. Whether you use a manual stick shift or drive an older automatic model, be sure you know your way around the gear shift. Getting a feel for the gear shifts is also a consideration when shopping around for a new car.

Talk to an Auto Insurance Agent to Get the Best Deal Available

For other important safety questions, talk to an auto insurance agent about getting the most appropriate coverage for your situation. It’s vital to ensure you have all of your bases covered when it comes to car insurance, and an agent at Amigo can help you get the best deal available.

At Amigo, our insurance agents can give you a free quote on the best insurance for your needs today!

A vehicle's gear shifts.
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Top Reasons People Use Roadside Service

No one gets behind the wheel in the morning thinking this will be the day that car trouble leaves them and their family stuck on the side of the road. Yet some form of malfunction is a highly common reality of being a driver in this country. There are roughly 69 million vehicle breakdowns on roads in the U.S. each year, according to Investopedia. That translates to about a third of all drivers.

The fact is that there are many things that can cause a need for you to pull over and get help. Better to consider the possibility in advance – and be prepared when it comes – then to be caught off guard. Below are some of the main culprits to consider.

Flat Tires

Anyone who has done a lot of driving in their time has likely come across this nuisance at some point. A flat tire is certainly one of the most common, if not the most common, sources of roadside problems. A nail or other sharp object in the road is often the culprit, but there are other causes of flat tires. It can be difficult to navigate around small pieces of debris, making it difficult to avoid the problem.

Oftentimes the tire has a leak that goes undetected until forcing the driver to pull over and get help. Naturally, it helps to know how to change a flat tire. However, it is generally important to have the tire inspected so that it can be repaired or replaced.

Getting Locked Out of Your Vehicle

You may be surprised how many people accidentally lock themselves out of their vehicle. Fortunately, with roadside assistance, this problem can be remedied quickly so you can get back out on the road.

These days, services such as AAA have quick and simple ways of unlocking cars. They have equipment that can bypass a vehicle’s locking system and can even make a copy of a car key in less than an hour. Check out the growing range of security coverage available to drivers today.

Engine Trouble and Other Car Problems

If you suspect there is a problem with your car, it is crucial that you get to the root of the problem as soon as possible. Sometimes a check engine light will force the driver to pull over. If the car is still drivable you can opt to drive to the nearest garage and have it checked out. But an overheated engine or another serious issue can make driving dangerous. Roadside services are often called to tow cars that are experiencing problems that need to be addressed urgently.

To Jumpstart a Dead Battery

Dead or malfunctioning batteries are another common source of calls for roadside help. A car that struggles to start can be the sign of a low-voltage or corroded battery. But drivers often don’t know their battery is on the verge of dying. If you’re stranded somewhere due to battery issues, you’ll want assistance from a nearby service that can provide prompt assistance – either by jump-starting the battery or towing your vehicle somewhere it can be replaced.

Speak to an Auto Insurance Agent to Get Roadside Coverage with Your Plan

While there are still other reasons that drivers use roadside assistance, not everyone needs to opt for a special plan or membership. The decision is up to you. It may depend on how much you drive and your comfort level in handling mechanical issues with your vehicle.

Still, it’s always good to be sure what your insurance plan covers. Ask an auto insurance agent if you’re already covered for roadside assistance. Doing so may give you the peace of mind knowing that you won’t be left stranded somewhere without any options. You may also want to look into membership clubs for drivers to see what other benefits there are out there that you can enjoy.

Contact Amigo insurance to get quotes on the best insurance options, as well as to find out more about roadside assistance coverage. Our agents are ready to answer your questions today!

A woman checking the engine of her car. She is also on the phone.
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The Latest in Cool Auto Technology

Technology is always improving in modern vehicles. So much so that it can be hard to keep up with all the lights, symbols and buttons in a new car. Some are designed to protect you and your vehicle – and some are just plain fun.

You may not want all the latest technology in your next vehicle. But it doesn’t hurt to find out what’s available. Modern inventions can be cool or simply beautiful to look at, and some of them also provide convenience, safety, and solutions to people’s driving needs.

Check out the latest technologies that are commonly found in vehicles today:

Ambient Lighting Throughout Your Vehicle’s Interior

Nothing says you love hanging out in your car like cool ambient lights that change colors. Motor Trend explains that these interior (sometimes LED) lights have been mounted around the cabin to enhance different design features. Subtle illumination inside of the car can even be soothing for the driver and passengers. Where might you find these attractive enhancements?

  • In the foot wells
  • Near the door and dash trim
  • Cupholders
  • Climate control vents
  • Speaker surrounds

Some options allow you to customize the color of the lighting and even set it to pulsate in time with your audio system. At the very least, it might make it easier to find your cup holder and dashboard controls when driving at night.

Zoned Climate Control Features

Don’t you hate driving with someone who is always cold or hot? Perhaps what you need is a multi-zone climate control feature that addresses the needs of individuals in different parts of the car. They provide different temperature settings for the left and right sides of the car, and possibly also for the front and rear.

The latest climate control features might be just what you need to survive in the unforgiving summer heat.

Blind Spot and Cross Traffic Alerts

More technology is being designed to alert drivers who may be straying out of their lanes and into danger. Here are four crucial things to know about these capabilities:

  1. In newer vehicles, sensors can detect if there is a car or motorcycle in your blind spot and will alert the driver on the side mirrors.
  2. Others will make a noise to let you know you may be out of your lane.
  3. A rear cross-traffic alert uses radar units and noise alerts to let drivers know if someone is approaching.
  4. Meanwhile, a front cross-traffic alert can be helpful if you’re moving out of a blind spot like an alley by alerting you that someone is in your path.

Mobile Apps for Your Car

There’s an app for everything these days, and the same goes for your vehicle. Some of the most popular smartphone apps that drivers use can display key maintenance features and handle a whole range of needs:

  • Remotely lock and unlock car doors
  • Check the status of fuel level
  • Check your tire pressure
  • Remotely start the vehicle
  • Tell you how much gas you have left
  • Alert the remaining range in an EV

Speaking of phones, your next vehicle may offer both wireless connectivity as well as charging for all of your family’s devices.

360-Degree Camera

Want something that could help your teen driver reduce damage to your car?

Some cars today come with cameras on each side of the vehicle. This feature enables the driver to see a near-complete virtual image of their surroundings while driving. This technology can be helpful in any environment where it’s difficult to see what is coming from the right or the left behind you and is particularly helpful when parking a large vehicle. According to Kelley Blue Book, it may also reduce insurance claims from low-speed crashes.

Cool Electric Vehicle (EV) Technology

Your next electric vehicle (EV) may contain yet more cool new features. Some systems enable you to preheat (or pre-cool) your car while it is plugged in and charging. And you might even be able to use some of that battery power to connect to appliances using an adapter.

Be Sure to Protect Your Vehicle with the Best Car Insurance Around

When it comes to insuring your car, there are many options. An agent at AMIGO can help ensure that you have the best plan to protect your whole family. By taking the time to care for your car and get the proper insurance coverage, you can experience a safe and enjoyable driving experience all year long.

Want to find out more about protecting and insuring your vehicle? Call AMIGO Insurance for a FREE quote today!

A person driving a BMW.
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