Would you like to pay less for auto insurance? Having an auto insurance policy could cost you an arm and a leg sometimes but there are ways of lowering your insurance premium. Here are some tips that could help you lower the cost of your auto insurance policy:

1. Keep your driving record clean and without complications to get an affordable price on your insurance policy. This is as simple as it sounds since having a clean driving record will always help you avoid an increase of premium later during the life of your policy.
2. Increasing or raising your deductible will affect the premium of your policy. If you desire to carry Comprehensive and Collision coverage with a low deductible, the cost of your policy will be higher most of the time. It is important that you look at your choices every time with your insurance agent and chose the right deductible amount for you.
3. Multi-Vehicle discount is applied to a policy that holds two or more vehicles. If there is more than one vehicle in the household try getting a quote on a policy and coverage for all of them. This way, you will be getting the same discount on all units.
4. Do you currently have insurance on your car? When getting a quote with a new provider mention your current insurance policy and you could get a “Prior Insurance Discount”. This depends on how many months you have been insured in the past without a gap.
5. Paying your insurance premium up front and in full will help you save additional finance charges for making monthly payments.
6. Review your coverage at least on every renewal with the help of your agent. Your insurance agent will guide you to make the best decisions that hopefully will keep your premium and your policy in check
7. Are you married or single? This is a question one needs to answer honestly. Although, many times married individuals pay less for auto insurance than single drivers; answering this question accurately will help you make sure that your insurance company cover any damages you cause without hesitation as stated on your policy jacket.
8. List all the drivers that live in your household. Listing all the individuals and family members that have access to your vehicles will give you peace of mind that all of them will be completely covered in case of an accident.
9. Lean to UMPD when necessary. Uninsured Motorist Property Damage is the coverage that provides insurance to your own vehicle in case of being hit by a driver that carries no insurance on their car. UMPD is a great option when Comprehensive and Collision get out of hand sometimes.
10. Always include Medical Payments coverage to your policy. Although you will pay a little more on your premium, having Medical Payments coverage could provide you with the money you need to cover for medical expenses in case of an accident.

And there you have them, 10 great tips for saving a little more on your auto insurance and getting the right coverage at the same time. Always speak to your insurance agent for advice and don’t forget to give us a call at 877-999-2644 for a FREE review of your current policy.

There is no right auto insurance coverage in general. It all depends on how much auto insurance coverage you think you will need in case of having a claim that will cover your assets accordingly. If you have no idea on how to determine what a good auto insurance coverage will be for yourself, here are a few tips that will help you out:

The right auto insurance coverage starts by measuring the amount of assets you currently have. The more assets you own, the higher coverage you will want to have.

What is your type of driving? Although, this may not play such an important part on choosing your coverage for many, it is always useful to identify our way of driving a car in order to determine the type of damage we could cause to other parties.

Independently of how much liability insurance you choose, it is always a good idea to add Medical Payments Coverage to your policy. This is a coverage for the people riding with you and yourself. Medical Payments Coverage will pay for medical expenses such as the ambulance service bill, x-rays, paramedics, hospital bill, etc.

What car do you drive? Do you need full coverage? Are you still making payments on your car? If you are, most likely you will need to add Comprehensive and Collision to your policy. If you are done paying off your vehicle you may want to ask about UMPD which provides protection to your own property if hit by an uninsured motorist. Its not quite like full coverage but provides some insurance for your own car and is less expensive.

Bottom line is, the right auto insurance coverage is the one that protects all of your assets in case of a claim. If you are at fault in an auto accident and your coverage is not enough to cover for all damages, more likely than not, you will still be liable for the remaining difference. And, depending on the case, they can come after you and what you own until there is no balance outstanding. A vehicle claim, could leave you gasping for air; but, if you use your insurance correctly you will be just fine.

Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. ~Wikipedia, Insurance definition

Later on, we will be posting an auto claim scenario as an example to learn more.

Please contact us at (877) 999-2644 or get the lowest auto insurance quote ever with our online quote now!

Due to the circumstances, some people are forced to drive without a driving license, but that does not mean they have to drive without auto insurance.

Auto Insurance provides coverage for the damages we could cause to other people. If we hurt someone and/or somebody else’s property our insurance company will cover these damages on our behalf in exchange for a premium. In the State of Illinois, anyone can get an auto insurance policy even if that person does not have a driving license.

We encourage the people we come in contact with to get their auto insurance in place even if they don’t have a valid drivers license.

Here at Amigo Insurance Agency, we have the lowest price on auto insurance with and without a license.

Please, if you have to drive and do not have a driving license, contact us today or get a quote instantly to get your car insured. Don’t drive without insurance.

That is our best advice.

Sincerely,

Amigo Insurance Agency

Have you ever wondered how your car insurance rate is determined? There are many factors that are taken into consideration when quoting auto insurance coverage for any given person. Your age is one of those factors. Sometimes, the younger you are the more expensive your policy could be. Generally, when you turn 25 years old, and depending on your driving record and experience, its when you start getting low prices on your auto insurance coverage; but it is not until you hit the 60 74 years old bracket that you get rock bottom quotes on your policy (if you have a clean driving record that is).

If you look at the image on this page, you will see some age brackets. Teenage drivers get the highest prices on auto insurance due to lack of experience and sometimes because they get involved in auto accidents and get tickets. And, if you notice once you pass 74 years old, your premium starts increasing again due to companies not wanting to take the risk of a person with possibly health problems.

Some companies will want medical records to be submitted along with the auto insurance application for a person that is 75 or more years old to be considered as their insured.

In the graphic, you can also take a look at the top ten most expensive and least expensive States for auto insurance along with some interesting information about accidents involving young drivers.