Who can drive my car?

Auto Insurance rates are set by companies based on perceived risk. Overwhelmingly, their prices come down to the answers to these two questions: in the event of a loss, how much will it cost us; and what is the likelihood the loss will occur. "Who can drive my car? This is a common question people ask when comparing rates for car insurance. Since teen drivers, or those with poor driving records wi...
Read More

10 Tips for Driving in Snow,

Snow has come to Chicago, and clearly seems to be behaving badly and over-staying its welcome. Driving in snow poses a variety of hazards, from slower stopping times, impaired vision, and cars slipping and sliding their way across the roads. Newer cars with traction control and antilock brakes plus the large number of vehicles with 4-wheel-drive, do help, but they can also fool drivers into a fals...
Read More

Urban says goodbye to Vivian Temples

It was Saturday morning, at my desk, when my mother called me to tell me of Vivian's passing. Let me explain, our insurance agency is open a half day on Saturdays, and that for so many years Vivian would be one of the few people working alongside of me, and often my mother. Vivian's hours had her coming late and then staying late; so many nights, after others left, it was just the two of us answer...
Read More

How to Fight The Chicago Winter Blues?

  Once again extreme cold and snow have returned to Chicago. The National Weather Service announced    that the expected highs on Wednesday in northern Illinois would reach  -4  degrees and bring wind chills as low as -30 and -35 overnight, resulting in the closing of most Chicago schools. As winter returns to Chicago, so does our tendency to dash from our homes to our cars with only work ...
Read More

Tow Truck Insurance

Looking for Tow Truck Insurance, Turn to Urban Insurance. Our expert staff has been a dependable source for Towing Insurance for over 54 years. We understand the requirements that the Secretary of State has placed on Flatbeds and Tow-Trucks prior to granting them the “TW” plates needed to operate a towing company. Whether your company specializes in towing, auto transport, salvage, or if you d...
Read More

Making It In Chicago on $13/hour

As the cost of living continues to increase, learning how to make your dollars stretch as far as they can is an important part of survival. The prices in Chicago can be significantly higher than other states, and finding ways to make it on $13.00 an hour can be challenging. How much does that equate to? In annual dollars, that’s about $26,000 per year or a little more. While that may not seem ...
Read More

Halloween in Chicago

Halloween is a time when kids get to dress-up as a favorite character, gather with friends and roam from house to house collecting as much candy as possible. When I was a child, I can remember starting early and putting in hours of ringing bells till I had shopping bags full of candy. As a parent in Chicago, my wife and I took our son and his friends trick or treating, ever careful that in the...
Read More

River North Chicago

Chicago is a city made up of neighborhoods, each with their own history and ever changing demographics. As immigrants made the city home, they tended to congregate for comfort and support, each new wave reshaping the neighborhoods . German shops slowing giving way to Polish restaurants, that in turn find a new identity with each new group entering and enriching Chicago. "River North" has a sim...
Read More

What if my regular insurance says I have Mexican Coverage?

If you're planning a trip to Mexico by car, you would be wise to purchase a policy that qualifies as, and meets the rules of Mexican Insurance. Although some insurance companies state they have "Mexican Insurance" coverage this usually means within 25 miles of the border. If you stay within those 25 miles and something occurs either an accident or theft your company might cover the expenses how...
Read More

$25,000/$50,000,/$20,000 Auto insurance in Illinois

In 1989 the Illinois General Assembly voted to require all motorists to carry auto liability insurance. At that time, Auto insurance liability limits in Illinois were set at a minimum of $20,000/ $40,000/ $15,000, and for more than 25 years those same limits have remained. Effective January 1, 2015 a new law increases the mandatory minimum auto liability insurance coverage’s to $25,000/$50,000...
Read More