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Agency vs National Chain: Which Insurance Provider Is Right for You?

Choosing the right insurance provider can be overwhelming, especially with so many options available. In Chicago, a bustling metropolis known for its unpredictable weather and vibrant neighborhoods, selecting the ideal insurance provider is crucial for protecting your assets.

Whether you own a charming condo on the Gold Coast or run a family business in Logan Square, understanding the differences between local agencies and national chains can help you make an informed decision.

In this guide, we’ll discuss the pros and cons of each type of provider, explore how they cater to the needs of Chicagoans, and offer insights to help you find the best match for your insurance needs.

Understanding Local Agencies

When it comes to personalized service, local insurance agencies often have the upper hand. These agencies are typically smaller operations rooted within the community, allowing them to offer tailored advice and build close relationships with their clients. Local agents are familiar with the specifics of living and working in Chicago, such as navigating the city’s notorious traffic or understanding the unique risks associated with lakefront properties.

One notable advantage of working with a local agency is their deep understanding of regional regulations and requirements. This expertise ensures that the coverage you receive is fully compliant with local laws and tailored to your specific needs. Additionally, when you choose a local agency, you often directly support the local economy, contributing to your community’s growth and stability.

However, there are potential downsides. Smaller agencies might not have access to the same breadth of resources or technology as larger national chains. While they excel in personalized service, local agencies may face limitations when it comes to offering a wide range of products or handling large-scale claims.

Recognizing the Strengths of National Chains

National insurance chains, on the other hand, boast extensive resources and widespread recognition. These larger companies often provide a comprehensive range of products, making them a one-stop-shop for all your insurance needs. For Chicago residents seeking convenience, a national chain can offer streamlined processes and advanced technology, making it easier to manage policies and file claims.

In addition to their vast product offerings, national chains often have the financial backing to handle significant claims, providing peace of mind in times of crisis. Their reputation and stability can be reassuring, especially during turbulent economic periods.

However, the downside of choosing a national chain may include less personalized service and a more bureaucratic approach to customer care. In large-scale operations, clients can feel like just another number, rather than valued individuals with unique needs.

The Importance of Customized Coverage

For Chicagoans, customization is key when selecting an insurance provider. The city’s diverse landscape means that your insurance needs can vary widely depending on your location and lifestyle. Whether you’re looking to protect a historic home in Old Town or a sleek loft in the West Loop, a provider that understands the nuances of your neighborhood will ensure you receive adequate and appropriate coverage.

Local agencies often lead the way in offering customized solutions, given their proximity and familiarity with residents’ needs. These agencies can craft policies that address specific local concerns, such as flood coverage for homes near the Chicago River.

Meanwhile, national chains leverage data-driven insights to offer tailored products. They can utilize technology to assess risk factors and suggest customized coverage options based on comprehensive data analytics.

Pricing Considerations

Cost is a significant factor when choosing between a local agency and a national chain. While local agencies might offer competitive rates, national chains can often provide discounts and bundled services due to their size and volume. In Chicago, where the cost of living can be high, finding the right balance between affordability and comprehensive coverage is essential.

Local agencies may provide more flexible pricing options and can negotiate on your behalf with insurers. They understand the local market dynamics and are adept at finding price points that fit within your budget.

However, larger chains might have the advantage when it comes to overall price competitiveness. Their ability to underwrite vast numbers of policies can lead to economies of scale, translating to lower premiums for customers. Comparing quotes from both types of providers can help identify the best pricing strategy for your needs.

The Role of Claims Processing

When disaster strikes, the efficiency of your insurance provider’s claims processing becomes paramount. Local agencies often pride themselves on offering hands-on support and a quick response, thanks to their smaller client base and community focus. This personal touch can be comforting during stressful times, ensuring you have a reliable advocate on your side.

In contrast, national chains have the infrastructure to handle a high volume of claims. Their robust systems and 24/7 customer service lines can provide timely support, even during large-scale events that impact many policyholders simultaneously.

Both options have their merits, and the choice often boils down to whether you prioritize personalized service or the assurance of extensive resources.

Evaluating Customer Service

Excellent customer service is crucial for any insurance provider. Local agencies typically excel in this area, offering dedicated agents who know you by name and understand your specific circumstances. This personalized interaction can foster trust and confidence in your insurance decisions.

National chains may focus more on efficiency and convenience, utilizing technology to provide online account management and quick communication. For busy Chicago professionals, the ability to manage policies on-the-go can be a significant advantage.

Ultimately, evaluating customer service involves considering what matters most to you—personalized interactions or streamlined digital solutions.

Accessibility and Convenience

In a bustling city like Chicago, accessibility and convenience are important factors when selecting an insurance provider. Local agencies often offer in-person meetings and community events, facilitating face-to-face interactions that can enhance trust and understanding.

National chains provide convenience through their extensive network of offices and online platforms. With mobile apps and 24/7 customer support, managing your insurance needs is more accessible than ever.

Evaluate your lifestyle and preferences to determine which provider offers the accessibility and convenience that best suits your needs.

Weighing Reputation and Trust

The reputation of an insurance provider can greatly impact your decision-making process. Both local agencies and national chains have their unique strengths when it comes to building trust within the community.

Local agencies often rely on word of mouth and established relationships to maintain their reputation. Their involvement in local events and charities can further bolster their standing within the community.

National chains benefit from widespread recognition and brand strength. Their longstanding presence in the industry and consistent performance can inspire trust among policyholders.

Leveraging Technology and Innovation

In today’s digital age, technology plays a pivotal role in shaping the insurance landscape. National chains often lead the way in adopting innovative solutions to enhance customer experience. From AI-driven chatbots to automated claims processing, these advancements streamline operations and improve service delivery.

Local agencies, while smaller, are not necessarily behind in technology adoption. Many are investing in modern tools and platforms to stay competitive and meet customer expectations.

Exploring each provider’s technological capabilities can help you determine which aligns best with your preferences for modern solutions.

Community Involvement and Support

A strong sense of community is vital for many Chicago residents. Local agencies excel in fostering community ties through active involvement in local initiatives and support for neighborhood causes.

National chains, though larger in scope, often contribute to charitable efforts on a broader scale. They may sponsor events and programs that benefit the wider community, showcasing their commitment to making a positive impact.

Consider how each provider’s community engagement aligns with your values when making your decision.

Conclusion

Choosing between a local agency and a national chain for your insurance needs in Chicago boils down to personal preferences and priorities. Both options offer unique advantages, whether it’s the personalized service and local expertise of a neighborhood agency or the extensive resources and convenience of a national provider.

Consider factors such as customization, pricing, claims processing, and community involvement when making your choice.

Ultimately, the right insurance provider will be one that aligns with your lifestyle, values, and coverage needs, ensuring peace of mind as you navigate life in the Windy City.

Ready to explore your insurance options?

Amigo Insurance is here to help you get perfect coverage and expert advice. If you’re looking for an insurance plan that suits your needs, our friendly team is here to help you. Get your quick quote now!

Give us a call today at (773) 847-9000 to learn more about how we can support you. Stay protected, stay insured, and let Amigo Insurance be your guide.

5 Reasons to Get Motorcycle Insurance

If you’re a motorist, new or veteran, you’ve likely heard the absolute need for motorcycle insurance. But why is it so necessary? Like car insurance, a motorcycle insurance policy can help keep you and your bike safe. Here are 5 good reasons why you should invest in motorcycle insurance.

1) Motorcycle insurance policies are both flexible and affordable. Motorcycle insurance offers a variety of discounts, deductibles, and limits, making it flexible and affordable for riders. While much also depends on things like the type of motorcycle and how often it’s used, our agents can help you find the right coverage for your needs.

2) Your motorcycle policy offers liability protection. Should you collide with another motorist and be considered responsible for his/her property damage or personal injury, the liability coverage on your motorcycle policy will kick in.

3) Your motorcycle insurance policy provides coverage in a collision. Motorcycles aren’t cheap. Having motorcycle insurance can help protect you, your bike, and your wallet, from severe damage.

4) You’ll still have coverage even if a driver you collide with doesn’t. A standard motorcycle insurance policy, typically, includes uninsured/underinsured motorist coverage. This will help protect you from accidents by helping you pay any lost wages or medical attention. Be sure to speak to one of our agents for more information.

5) You’ll also be covered for damage that isn’t a result of a collision. Also known as comprehensive coverage, this type of coverage can reimburse you for damages caused by fire, theft or vandalism.

As you can see, motorcycle insurance can be a real lifesaver. If you’re in the market for motorcycle insurance or are looking to save monthly, give one of our agents a call at 877-999-2644 or click here to get a FREE quote.

Planning Your Cross Country Trip: Update Your Auto Insurance

When it comes to getting ready for a long road trip, there are many things vehicle owners need to think about. This is a good time to get the car tuned up, and the oil changed. It is also a good time to discuss the needs for new tires.

Aside from this, it also pays to invest some time into updating your auto insurance. The simple step of calling your car insurance agent and adjusting your policy may be able to provide you with exceptional benefits and lots of protection.

What You Need to Consider

Before a long trip, speak to your auto insurance agent about your current coverage. Here are a few things to talk about first.

Contact your auto insurer. Inquire about added protection your car may benefit from when you travel out of state. Discuss any concerns you may have.
Do you have enough insurance to cover your vehicle from collisions, storm damage, theft and vandalism? Now is a good time to invest in comprehensive and collision insurance. These types of coverage can help you
You may wish to up your liability insurance. Having the bare minimum insurance is not always enough for high risk driving like this.

Your agent may make suggestions to you as well. The key here is to be sure you have a considerable amount of protection against the most likely risks.

Think About the Extras, Too

There are various ways to customize your auto insurance to better meet your needs. For example, you may wish to choose insurance that also adds towing coverage. That way, you do not have to worry about an accident that leaves you stranded in an area that you are not familiar with.

Discuss the options for added protection for your belongings, too. For example, you may be carrying a great deal of belongings with you. This might include your electronics. It may also include any valuables you purchase on the road. The thing is, your car insurance might not cover these items. You might have to turn to your homeowner’s or renters insurance for protection. Ask your agent how to handle such claims should damage to belongings occur.

Every driver needs to make wise decisions before hitting the road. With auto insurance, it usually takes just a phone call to your agent. He or she will work with you to better understand your needs and goals. You will see just how easy it can be to modify your policy to better fit your goals and the current risks. Call us today for a Chicago auto insurance quote.

Give Your Car a Security Checkup this Spring

Soon, many of us will undertake that thorough yearly ritual known as spring cleaning. It’s a time to clean up, check out and repair the important things in your life. There’s no better time to do it than when the weather is nice.

One item you shouldn’t forget to pay attention to this spring is your vehicle. Your car probably sustained its fair share of wear and tear in the last year. Thorough maintenance and upkeep can help you get it ready for more intense use during the summer. However, there’s another part of your car’s well-being that you should check up on this spring—its security.

Vehicle theft and vandalism are both possibilities nowadays. They can strike anywhere and at any time. How you protect your vehicle might make a big difference in whether you become a victim. Security steps, as well as the right car insurance, can help you prevent and recover from theft.

Car Insurance Coverage for Theft and Vandalism

Vehicle theft occurred at a rate of 236.9 incidents per 100,000 people in 2016, according to the Insurance Information Institute. Illinois was among the ten states with the highest rates of theft. If you live in the Prairie State, consider your auto insurance a source of help in case theft occurs.

Car insurance policies usually offer theft protection. However, these policies will likely come with conditions.

Usually, to receive coverage for theft or vandalism, you need comprehensive protection. Comprehensive coverage insures damage from incidents not related to wrecks or other collisions. It can often help replace the car, or repair damage sustained during a theft.
Even if you have comprehensive coverage, it might not provide the full recovery costs. Your policy limits will likely determine how much support, if any, for which you qualify. Most policies will likely include a deductible. If your vehicle damages fall under the cost of the deductible, you will have to pay for all the damage yourself. Also, some policies will only compensate the insured for the actual cash value of the vehicle. This is the depreciated cost of the car at the time of the theft. This value might be less than the full value needed to buy a new vehicle to replace the old one.
Your comprehensive insurance likely will not cover any personal items inside the vehicle. If something, like a purse, gets stolen from (or along with) the car, you might be able to file a claim on your homeowner’s insurance. Your car insurance will often only cover damage or losses to pre-installed features.

Therefore, talk to your insurance agent about how much theft coverage you need to carry. Make sure it is enough to help you replace the vehicle after a total loss. Your agent likely can offer expert information on the specific coverage for you.

Protect Yourself Against Theft, Save On Auto Insurance

If you have a high chance of auto theft, this might drive up your car insurance rates. However, there are ways for all drivers to take steps to reduce their vehicle theft risks. In some cases, these precautions might even qualify the driver for policy discounts. This could lower the cost burden they face for their coverage.

Consider if connected or internet-of-things technology can help reduce theft risks. Then, ask your insurer if they award discounts for connected security mechanisms. If you qualify for a discount, adding this protection to your car might prove beneficial.
Think about where you store your car. Usually, parking it inside a garage or close to your residence is the best safety step to take. When parking in public, keep your vehicle in a well-lighted area.
Always lock your car, regardless of where you leave it. Also arm your car alarm whenever you leave the vehicle.
Never leave valuables on view in the vehicle. Cell phones, purses, money, prescriptions and more might trigger a thief to break in or steal the car. Take these vehicles with you or lock them in the trunk of the car.
Consider buying theft prevention devices for your car. These might include steering wheel locks or special alarms. You can usually easily activate your devices as soon as you get out of the car.

If you experience vehicle theft, immediately contact the authorities and your insurer. You will likely need to file a police report or start an investigation to recover the vehicle. Your insurer will likely need to start a claim immediately upon theft occurring. This will help them better track the results of the investigation.

The good news is, based on your policy, you might have access to rental car reimbursement. Your insurance might pay some or all of the cost of a rental so you can at least drive even without the other vehicle. Car theft can be a difficult incident to experience. However, your insurance can likely come in handy as long as you have appropriate protection. Call us for a Illinois car insurance quote.

Understanding Illinois’ Car Insurance Requirements

Illinois is a large, diverse state. There’s a lot to see between Cairo in the south and Waukegan in the North. And there are plenty of driving hazards that you might encounter along the way. Illinois drivers are going to encounter various traffic, vehicle and insurance laws. These laws ensure that Illinois’ roads remain safe thoroughfares for all travelers.

All Illinois drivers have to follow many laws on vehicle ownership and car insurance. If you register your vehicle in the state, you will have to carry auto insurance. Failing to carry insurance could result in various penalties.

However, you still have options. Once you meet the state’s coverage requirements, you’re often able to adjust your policy to meet your needs. Consider the need for auto insurance a necessity, but the benefit of it to be a convenience.

Illinois Liability Auto Insurance Requirements

Most states require their registered drivers to carry minimum levels of auto insurance. In this manner, mandatory insurance works as a form of consumer protection. Illinois requires its drivers to carry, at minimum, three levels of liability insurance:

$25,000 bodily injury or death coverage per person
$50,000 cumulative bodily injury or death coverage per accident
$25,000 property damage liability protection

You must also carry uninsured/underinsured coverage valued at:

$25,000 per person.
$50,000 total per accident.

The Importance of Liability Protection

Liability protection does not protect the policyholder themselves. It extends protection to other drivers on the road. Let’s say you collide with another vehicle, and break the other driver’s leg. Think about the financial effects that injury might have on the other driver. They might need to pay medical bills, receive rehabilitation or take time off work to recover.

An investigation into the accident determines it to be your fault. The other driver then likely has a right to file a claim against your liability coverage. If you carry the Illinois-mandated coverage, the injured driver could receive up to $25,000 for their losses.

Liability coverage serves as a valuable protection for both a policyholder and other drivers. If the policyholder carries this service, they might not have to pay compensation to an injured party out-of-pocket. Still, liability insurance can provide the affected party with the funds they need.

Penalties of Driving Without Insurance

It’s easy to understand the benefits of liability insurance. That’s why going without it shouldn’t be a thought. Most states levy penalties for drivers who carry either too little or no auto insurance.

Illinois is no different. While there is no jail penalty, there are often financial penalties and driving restrictions.

Fines: You can face fines of $501 to $1,000 for your first offense. Even higher fines of up to $2,500 follow for subsequent offenses. The exact fine will likely depend on the nature of the charge and whether it involved a vehicle accident.
Driving Restrictions: First-time offenders will receive a license and registration suspension for up to three months. Subsequent offenses will result in suspensions of up to four months.
Reinstatement Fees: If you have a driver’s license suspension, you will likely have to pay the $100 reinstatement fees.
SR-22 Certificates: Certain drivers will have to have this form attached to their insurance policy for up to three years. It will verify for the state that you have active auto insurance. Your insurer will send the SR-22 form to the Illinois authorities. You must keep your policy active for the entire penalty period.

Driving without insurance will likely change your eligibility for coverage in the future. Many insurers view driving without coverage as an indicator that a driver is a high risk to insure. So, they might deny your application for coverage or charge you more for your policy. If you’ve driven without insurance, talk to your insurance agent about how to insure yourself now.

Getting Extra Insurance

Once you get the state’s auto insurance requirements, you’re going to be driving in compliance with the law. However, carrying required coverage might not mean you’re carrying the best coverage. All vehicles are different. You can likely augment your mandatory coverage with extra protection.

Consider increasing your liability coverage to higher levels. Extra protection can better protect your own finances in case of an at-fault accident.
Buy collision coverage to cover your own vehicle’s repairs if you have an accident.
Get comprehensive coverage to afford repairs to the vehicle that result from accidents like fires, theft or weather damage.

Always carry verification of your insurance coverage in your car when you drive. That way, following an accident, you can have verification that you carry coverage. Never forget to always keep your policy active, and renew it every period. Talk to your insurance agent about the best way to carry protection. Call us for a Chicago auto insurance quote at 877-999-2644.

Steps for Buying a New Company Vehicle This Year

Maybe your business is growing, and you’re ready to buy a company car. Or, perhaps, your business’ old vehicles no longer suit your needs. Either way, 2018 might be the year that your company buys a new vehicle.

Vehicle ownership opens up a wide range of possibilities for businesses. You can go more places and deliver more services. Still, it comes with its fair share of responsibilities as well. This includes the responsibility to operate legally, including with the right auto insurance. Most businesses need to carry commercial auto insurance on their company-owned vehicles. As you prepare to buy a car, follow the right purchasing process and duly insure the vehicle.

Before Buying, Look at Your Needs and Finances

When you plan to buy a vehicle for your business, you want to do so after careful analysis of your needs. If you don’t get the correct vehicle, you’re going to probably cost the business wasted money in the long-term.

Consider the type of vehicle you need. For example, will you drive off-road or haul specialty equipment in your vehicle? Will you use your car for delivery services? In such cases, you might need a specialty type of vehicle like a truck or van. A standard sedan might not meet your needs.
Most companies will pay for and maintain their vehicles using business funds. Therefore, take a close look at your operating budget and income. You should never buy a vehicle that is too expensive for you to afford. Always have a good idea of how much you have in the bank, and how you expect your monetary needs to change in the next year. This can help you better nail down a budget for the vehicle.
Where will you keep your vehicle funds? Some business owners set aside dedicated funds to finance their company vehicles. This fund should remain solvent throughout the time you own the vehicle. It can help finance vehicle payments, maintenance and other vehicle costs.
How will you pay for company vehicles? Some companies pay cash for their cars, and don’t need to finance the vehicle. However, other businesses will take out a business loan to pay off the vehicles. Usually, credit unions and certain banks will offer these loans to business owners. Still, owners should take care to research the best financing options for their needs.

If you think you need special financial accommodations, talk to your financial advisor. They can help you determine how to manage your purchasing power.

Promptly Insure the Vehicle

After you purchase a new company vehicle, you will need to buy commercial auto coverage. Because your vehicle will belong to the company, you likely won’t be able to use standard auto insurance.

Commercial auto insurance accounts for the fact that a business is often a liable party following vehicle incidents. Usually, your policy will list the business as one of the insured parties. So, in case liabilities or damages arise, the business will have protection.

Usually, commercial auto coverage will include protection like:

Liability protection: To protect the business when its drivers are at-fault in an accident that harms someone else.
Collision coverage: Can help the business afford vehicle repairs following a wreck.
Comprehensive coverage: Can cover repairs resulting from incidents like theft, vandalism, fire or weather damage.
Medical payments protection: If you need help with medical expenses after an accident, this coverage might help.

And other forms of protection.

Always tell your commercial auto insurance agent certain things about the car:

What type of vehicle it is. For example, commercial trucks likely need different coverage than sedans.
Who will drive it? You might need to list all employee drivers on your policy. However, many policies automatically cover all employee drivers.
Will employees use company-owned vehicles for personal business? The personal use of commercial vehicles might mandate special coverage riders.

Remember, you will likely have to insure the vehicle to meet minimum standards set by your state. Often, an insurer will automatically place the minimum requirements on your policy. However, business owners should increase these levels as necessary, to guarantee protection of their vehicles.

After Buying, Register the Car Appropriately

Commercial vehicles, like every other car on the road, will require registration. Businesses should visit their state’s vehicle registration department to learn more. Some businesses might need specialized operating registration based on the vehicle or products they transport.

Furthermore, drivers might need to get special licensing to operate certain types of commercial vehicles. All commercial drivers should have the training, licensing and experience to safely operate vehicles. Business owners should monitor their drivers for safety at all times. If a driver’s record or experience indicates that they should not drive a company vehicle, then it might be best for the company not to allow that person to operate.

If you have questions about commercial auto insurance, contact one of our agents at 877-999-2644.

This is Your First SR-22. Now What?

Sometimes, minor traffic violations are more inconvenient than anything else. However, severe violations might show that you are a danger to yourself and others on the road. Each state has different ways of penalizing those who commit serious driving infractions. Penalties might include a requirement to get an SR-22 certificate.

If this is the first time that you have to get an SR-22, you might not understand what it is. SR-22s are certificates that essentially verify that you carry auto insurance. If you have serious driving violations, your state might require you to carry this form.

How You Can Get an SR-22 Penalty

Often, SR-22s penalties originate following dangerous behind-the-wheel violations by drivers. They may arise after drivers receive charges of:

Multiple or severe accidents
Many speeding tickets
Driving without insurance
Driving without a valid license or registration
DUI or DWI violations

Or other offenses.

Each state determines its SR-22 laws. Indeed, some states do not have SR-22 penalties at all, and won’t require the certificate. However, even if you live in a non-SR-22 state, you can still receive SR-22 penalties in another state. Visit your state’s DMV, motor vehicle service, or public safety websites for information about particular laws.

Understanding the SR-22

An SR-22 might impact the way you carry and afford auto insurance. Therefore, it is important that first-time recipients understand what the SR-22 is. Many people mistakenly believe that SR-22 coverage is a special type of car insurance.

If a driver commits serious violations, the authorities might classify them as high risks. High-risk drivers usually have a greater chance of causing property damage, injuries to third parties or damage to their own vehicle.

States understand the potential for damage that high-risks drivers carry with them. Many states have instituted the SR-22 rule as a way to protect high-risk drivers and others on the road. You can view the SR-22 as a way that states make doubly sure that high-risk drivers carry auto insurance.

SR-22s are not insurance policies. They are certificates that attach to existing auto insurance. Once attached to your insurance policy, the SR-22 goes to your state authorities. It verifies for the state that you have active auto insurance.

How Will the SR-22 Affect My Insurance?

When you get an SR-22, you will need to immediately contact your insurance agent. Your agent will be a source of information and assistance during this time.

SR-22s belong to drivers who carry a lot of risk, and insurance companies know this. Therefore, just as the state will view you as high-risk, so might your insurer.

When insurers issue policies, they assume risks associated with that driver. They base the amount of risk the driver has on varying factors. However, each factor impacts a driver’s likelihood of filing a claim. The more likely a driver is to file a claim, the higher their risk level usually is. The insurer may increase the driver’s premium because they have a higher chance of having to pay a claim for the driver.

Since SR-22s show a high risk, insurers will likely raise premiums for drivers who carry them. Some even refuse to cover the highest-risk drivers, including SR-22 carriers.

Getting and Maintaining Your SR-22

The thing to do when you get an SR-22 is to keep your wits about you. You usually have to follow a specific process to file the certificate. Contact your insurance agent or insurance company and notify them of the requirement. Your agent can then tell you how the SR-22 will impact your coverage.

If your insurer refuses to cover you any longer, your agent might be able to help you find a new policy.
You might need to consider adjusting your insurance coverage to higher limits. Your agent can often help you do that.
Some independent insurance agencies do not issue SR-22 certificates. You might have to seek policy assistance from another resource to get the filing. Be sure to verify with the state that it is in receipt of the certificate
Sometimes, you might have to file the SR-22 with the state yourself. In others, the agency might be able to file the SR-22 on your behalf.

There are usually costs associated with your SR-22 coverage. A simple filing fee is usually quite nominal, around $25 in most cases. However, you might face other costs. For example, the insurance company issuing the SR-22 may require you to pay your full premium up front. This helps make sure that your policy will not expire or cancel due to lack of payment. Remember, your premium may go up, and stay that way for a while.

The good news is, your SR-22 is usually temporary. Most first-time offenders have to keep the SR-22 active on their licenses for about 2-3 years. However, the key to getting an SR-22 is to not re-offend. If you commit further driving offenses during the SR-22 period, it may drive your rates up further or cause the penalty period to start over.

The SR-22 certificate is nothing to disregard or take lightly. You must adhere to its requirements like any other penalty. Talk to your insurance agent to make sure your auto insurance coverage and certificate meet all lawful requirements. With the correct protection, you can ensure that you will finish your SR-22 penalty without lingering consequences. Contact us to learn more about SR-22s in Chicago.

Safe Driving Practices in Mexico

Many Americans assume that driving in Mexico is dangerous. Usually, this is not the case. Yes, America’s neighbor to the south has unique driving risks, some of which can be quite dangerous. However, Mexican driving in itself is often a perfectly safe, enjoyable experience.

Despite our close connections with Mexico, driving there might seem daunting. Still, if you don’t drive safely in Mexico, you might find yourself in trouble. No one wants to experience driving problems, especially in a foreign country. Therefore, observe safe driving practices that will make your adventure a success.

Before You Go: Obtain Mexican Auto Insurance

American drivers might think they can simply drive into Mexico with no barriers. Wrong answer. Americans have to get proper international travel documents, like passports, vehicle import permits and visas to travel into the country.

Furthermore, Mexican law does not recognize American auto insurance policies. That means if you drive past the U.S. border, your existing auto insurance will likely void.

Mexico and its states requires all drivers to carry their own liability insurance. Therefore, American travelers will need to invest in a Mexican auto insurance policy. Even if you travel in the Mexican free zones, areas with looser visa and import requirements, you still have to carry Mexican Auto insurance. Many American insurers work with their counterparts in Mexico to issue Mexican policies. However, your policy comes directly from the Mexican insurer. Once you get this coverage, you will file any claims with the Mexican auto insurance company. Usually, Americans can obtain policies only for the length of their travels in Mexico.

Once on the Road, Follow Safe Driving Practices

Simply getting Mexican auto insurance won’t give drivers immunity from accidents. Just like domestic driving, foreign driving poses its own risks to Americans. Keep certain safe driving practices in mind as you prepare to travel in Mexico.

Prepare your vehicle before you go. You want to have a well-functioning car with any road trip. Where you travel shouldn’t impact whether you have the vehicle serviced before you go. Do it regardless. Change the oil and inspect the engine, tires, battery and other vital systems. Remember, most auto insurance policies won’t cover maintenance breakdowns anyway.
If you find yourself in need of repairs in Mexico, seek out a trusted mechanic who understands U.S. vehicles. U.S. cars and Mexican vehicles often have certain differences in design. Mexican auto mechanics may not be familiar with some of the finer points of U.S. auto repairs. You do not want to entrust your vehicle to someone who might not know how to repair it.
Plan a route which you intend to travel, and research it beforehand. You should always know what amenities you have available to you along that route. Don’t deviate from your planned route unless you have assurances that it is safe to do so.
Contrary to tales of highway robbers, cartels and other threats, driving in Mexico is usually perfectly safe. Nonetheless, there are places that do pose threats to tourists. The U.S. Department of State and the Mexican authorities sometimes issue travel advisories. They might warn visitors to avoid certain areas. Both before and during travel, know which areas that it is best to avoid. Don’t venture into these areas if you can help it.
No one wants to have their purse or wallet stolen from their car when they stop for gas or the night. This can happen anywhere you go in Mexico, or even the U.S. for that matter. However, you don’t want to have to deal with the hassle of theft during international travel. Therefore, see to the safety of your possessions at all times. Keep valuable and private possessions with you or locked in your vehicle when you are not inside it. Hide items like purses, electronics or luggage under seats or in trunks. Arm all your security systems when leaving the vehicle.
Learn the rules of Mexican roads. In many ways, they will be similar to American laws. However, even small differences might impact foreign drivers. For example, you might encounter signage in Spanish. If you don’t understand it you might make mistakes. You might also encounter road construction or markings with which you aren’t familiar. You can often obtain safety guides to help you better understand the rules of the road.
Take special care when driving at night or in unfamiliar environments. Certain hazards could pop up that you might not expect. For example, livestock might roam on rural Mexican roads at night, posing risks to drivers. Additionally, it is well known that anywhere you go at night, unsavory characters might lurk and emergency services might be scarce. Therefore, always redouble your safety efforts.

The bottom line is to remember that you should drive with extreme care when traveling in Mexico. The safer you attempt to drive, the lesser your chances of encountering problems. Nevertheless, you should never go without protection. Speak to your American insurance agent about getting a Mexican auto insurance policy. Your agent can help you determine how best to protect yourself.

Prepare Your Vehicle for Winter Driving Now

We are quickly moving towards the close of the year, and towards the official start of winter. Even so, winter raises new safety risks that may impact your ability to drive safely. Therefore, you are likely have to take extra precautions when driving during the winter.

One way to improve your driving risks during the winter is to keep your car in good working order. By having a safe vehicle, you can lower your safety risks when you drive. You might be able to avoid breakdowns, wrecks or the potential that you will harm others. Not only is this good for you as the driver, it is also good for your insurance company and others on the road.

As winter approaches, realize that different forces may impact your car’s reliability. Take the time to make adjustments to your driving habits and your vehicle.

Know How Changing Seasons Affects You

No two locations are alike in how they experience seasonal changes. Some parts of the country may see frequent blizzards. Others have temperatures below zero but little precipitation. Still other areas might see mild temperatures, but frequent precipitation.

You should know how a typical winter impacts your area. This can help you take better precautions to prepare your vehicle for winter driving. Environmental changes during the winter may impact your ability to drive. They may also have different effects on your vehicle and its working systems.

Review Your Auto Insurance

Your auto insurance is an important part of the protection your vehicle needs. Should you experience vehicle damage or personal injuries from various incidents, your coverage can usually help pay to control the problems. It’s imperative for drivers to periodically review their coverage.

Most people review their policies as they come up for renewal. However, there is no wrong time to check your existing coverage. As winter approaches, make sure your policy is adequate for the seasonal risks you may face.

Ensure your collision and liability coverage are high enough. During winter, a potential for increased bad weather might raise your accident risks.
Check your comprehensive coverage. This protection kicks in for risks not associated with wrecks. It may cover damage sustained for instances of fire, theft or weather. See if you have (or can obtain) coverage for winter weather typical of your area.
Your insurance may offer more coverage that could benefit you in case you have car trouble. For example, you may be able to use roadside assistance coverage in case you get stranded in bad weather.

Getting Your Car Ready for Winter

As winter sets in, the changes in weather could have lasting effects on your vehicle. Remember, your car experiences a lot of exposure to the elements. Rain, snow or freezing temperatures may all damage internal and external vehicle systems.

Consider taking your car to your mechanic before the winter arrives in full. They can run maintenance on the vehicle to help prepare it for harsh or changing weather. They may even be able to diagnose small malfunctions that it may be a good idea to repair before the cold sets in.

Have your oil changed every few thousand miles. Your vehicle manufacturer can usually recommend a specific limit on miles. Changing the oil before winter can help ensure that internal systems have appropriate protection.
Have your mechanic run a test to ensure the strength of your engine. If your engine doesn’t function well, it may come under undue stress during times of severe weather.
Your car’s battery may experience sensitivity issues during the winter. For example, during times of cold weather, your battery may use more energy to start your vehicle. This could strain the battery, and hasten its eventual failure. Battery strain can also impact other vehicular system. The typical vehicle needs a battery change every two to five years. If your battery is due for a change, consider getting it fixed before winter sets in.
If you find your tire treads depleted, consider buying new tires. Routinely check your tire pressure throughout the winter. Also have your shock absorbers, brake system and other control mechanisms inspected. Some drivers have snow tires installed on their vehicles during the winter. These practices can help drivers better control their vehicles on roads affected by weather.
Check your vehicle seals and HVAC system. If either malfunction, this could cause undue strain on other internal systems.

As you approach winter, do what you can to keep your vehicle safe. Then, once you hit the road, drive in manners that take existing hazards into account. While your auto insurance can help you in the event of an accident, the better approach is to prevent such risks. Therefore, careful preventative maintenance may help you stay safe on winter-affected roadways. Never forget to talk to your auto insurance agent about how you could improve your coverage for winter driving.

Do you need auto coverage? Call Amigo Insurance Agency, Inc at 877-999-2644 for a Chicago car insurance quote.

What does a Business Owners Policy or BOP Not Cover?

How do small companies buy insurance? Many businesses buy a business owner’s policy. This kind of protection is often called a BOP. Insurers will offer lower rates for the coverage included in the BOP. This solution may offer a simple and cheaper way to buy insurance.

A BOP may make sense for a small company. Stores, dental offices, and cafes all may find that a BOP suits their basic needs. Still, it may not provide enough insurance.

What does a BOP cover? Common coverage in a BOP might include liability, property and business interruption insurance. Some agents will customize a BOP to suit their clients. They may be able to tailor protection for the business size, industry, or location.

What Won’t a BOP Cover?

Still, a BOP may not include all the coverage that your company needs.

These kinds of insurance are not likely to come with a BOP:

Professional liability: Some professionals need to protect themselves against claims that they did not perform their duties properly. Medical professionals may need malpractice insurance. Finance professionals might have to buy errors and omissions coverage. A BOP usually won’t come with this kind of protection.
Cyber insurance: Today’s companies value digital information. They also value the security of customers’ information. Cyber insurance protects businesses against data breaches or the loss of computer systems.
Business car: A company’s cars have to have insurance against liability or property loss. Personal insurance isn’t usually enough. A company may need business car insurance too.
Employee benefits: A BOP won’t usually contain workers’ compensation or health insurance either. Employee benefits must usually come separately.

How to Buy Business Insurance?

Most business owners understand that they need insurance to protect their company. They might also need to protect their employees. Most owners would rather focus their energy on running their company. The right insurance can help them focus by giving them peace of mind.

Find an agent with experience insuring covering similar companies. They should suggest policies and help compare rates. The final choice of a BOP and other business insurance depends upon the owner. A good agent can help the company save time and money.

Let Amigo Insurance Agency, Inc help you get the right coverage at an affordable price. Call us at (877) 999-2644 for a fast, free insurance Chicago business insurance quote.

What does a Business Owners Policy or BOP Not Cover?

Understanding Local Agencies

Recognizing the Strengths of National Chains

The Importance of Customized Coverage

Pricing Considerations

The Role of Claims Processing

Evaluating Customer Service

Accessibility and Convenience

Weighing Reputation and Trust

Leveraging Technology and Innovation

Community Involvement and Support

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Before You Go: Obtain Mexican Auto Insurance

Once on the Road, Follow Safe Driving Practices

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Know How Changing Seasons Affects You

Review Your Auto Insurance

Getting Your Car Ready for Winter

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What Won’t a BOP Cover?

How to Buy Business Insurance?

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