Author: Josh Prior

What is Actual Cash Value?

Question: "What is actual Cash Value?" What is the actual cash value of my car? We have all heard that as soon as you drive the car off the showroom floor, the value of the car drops, this change in value is called depreciation. The basic logic stems from the fact that people are willing to pay less for a “Used Car” or truck than they would for a brand-new vehicle. An insurance company realiz...
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Insurance Binder

Understanding an Insurance BinderInsurance policies are effective at 12:01am on a stated date and then expire at 12:00am typically 6 or 12 months later. Having a standard time of day that policies begin, and end, greatly reduces confusion for consumers. But clearly, few people just happen to purchase insurance at precisely midnight; as a result, an agent will often "Bind coverage" to span th...
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Happy Thanksgiving

Urban Insurance wishes you and your family a Happy Thanksgiving.Please drive safely, the weather might have a few surprises in store for us all,and may your Black Friday shopping be successful.______________________________________________________________________________________________ Thanksgiving's Office Hours 2023Urban will Close at 3:00pm on Wednesday and then reopen on Frid...
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Limousine, Medicar, and Public Transportation Insurance

Need PT or MC Plates?Let us save you money on your Limousine, Medicar, and Public Transportation Insurance. The license plates for Public Transportation need to be renewed by each year at the end of June; whereas the license plates for Limousines end December 30th.We offer free quotes for Limousine, Medicar, NEMT, and Public Transportation Insurance.  Urban Insurance Agency ha...
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Why is gas so expensive in Chicago?

America has largely achieved the right to claim energy independence, since our energy exports have surpassed net imports; so why is gas so expensive in Chicago?Yes, that is a "7" in the picture, we have gotten to a point where Chicago stations are charging $7.29 for a gallon of gas; granted, few people use that grade of fuel, but even Regular is $6.59. At that rate a delivery van will use  $100 ...
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Halloween in Chicago

Halloween in Chicago 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 ...
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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 60 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 do w...
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What is Covered on an Auto Insurance Policy?

Urban Insurance Agency has specialized in writing custom Auto Insurance policies for the past 60 years. Over that time we have heard thousands of questions, but some we have found come up frequently. The first step in shopping for a car insurance policy is to understand the parts that make up a typical Personal Auto Insurance policy. We  at Urban Insurance are happy to answer you questions and ...
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Merry Christmas and Happy New Years

We at Urban Insurance Agency, want to wish you and your family a Merry Christmas and hope that 2019 is a healthy and happy year.For Christmas HolidayWe will close on December 24th at 2:00 pm and then reopen Wednesday December 26th at 8:30 am.For New Years HolidayWe will close on December 31st at 2:00 pm and then reopen Wednesday January 2nd at 8:30 am As always, you can find a...
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5 Ways To Save Money On Tow Truck Insurance Costs

Tow truck insurance falls under the category of commercial insurance. Commercial insurance can be one of the largest single expenses for any tow truck company. The cost of Tow Truck Insurance  varies greatly. We often can find our customers rates that are less tan half of what they are currently paying. Following the below recommendations will help you save money on rates.  1. Require dri...
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