Budget

Saving money on Car Insurance

 I get over 100 channels on my TV, yet it  seem like every other commercial is for a company selling Car Insurance? Perhaps the fact that I sell "Car Insurance" has left me “Hyper-aware” of Auto Insurance commercials, truth is that it is not my imagination; auto insurance advertising has skyrocketed from $600 million in 2003 to more than $1.9 billion in 2008. And the spending has only i...
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Average Car Insurance Rates in Illinois

With billions of dollars spent on car insurance advertisements each year, it is interesting to see where the average cost of auto insurance in Illinois ranks compared to other states. The amount of money insurance companies charge is, or at least should be, tied to the costs they experience in each state. Based on that, one might expect to find a clear pattern, for example states with harsh winter...
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Do Women pay less for Car insurance than Men?

As a man myself, I might not want to admit the basic truth that women pay less for their Car Insurance , because they simply have fewer, as well as less severe auto accidents than men. The data confirming that woman drivers have fewer accidents than men of the same age; is based on more than 50 years of research from auto insurance companies. What's more interesting is that these statistics ha...
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Insurance Prices

While we all know we need insurance, few of us are happy to write the check; and no one wants over-pay.  The idea is to get the coverage you need and to do so at the lowest price. The logic of that statement is clear and undeniable; but how do you determine what amounts and types of insurance policies meet your necessities?Let’s begin with the understanding that an insurance policy is an a...
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“Why does my insurance cost more than my friends?”

Over the 50 years that Urban Insurance has been selling Insurance in Chicago, the single most frequent question we are asked is “Why does the cost of insurance vary so much from one person to the next?  The second most common question is “Which Company has the cheapest rates”? I will tie these two questions together because require a brief understanding of the factors that determine the cost any i...
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Save on Insurance Renewals

It is no secret in the insurance business that people whose policies that ran their term and are now up for renewal, are prized by insurance companies. An insured that has demonstrated a pattern of loss-free driving as well as paying their insurance in a timely manor is deserving of discounted rates. At Urban Insurance, we analyze the “Renewal Offer” from your current carrier and compare it ag...
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I Have Poor Credit, Can I get Car Insurance?

Yes. At Urban Insurance Agency, "Poor Credit" or "No Credit" is never a problem!More and more companies are running credit checks prior to providing an insurance quote. For example, Progressive, Geico car insurance, State Farm and esurance.com, are among a list of carriers that will not provide an insurance quote without first pulling your credit report.The cost of bad credit can often...
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Law Enforcement Discount

Urban Insurance understand, and appreciates the hard and dangerous work done by our law enforcement professionals.While citizens are fleeing in fear, Cops will enter, providing that "Thin Blue Line" the protects us all from the total lawlessness that would fill our lives in not for the brave men and woman of the Chicago police. So Officers are often they asked to go into to great lengths...
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10 Secrets to Saving On Car Insurance

10 Ways to Lower Car Insurance CostsAfter 28 years of selling Auto Insurance for Urban, I am still amazed by how wide the range of insurance prices can be between one call and the next. Obviously being a safe driver with a clear track-record free from at-fault car insurance claims, is a major factor in helping you get the lowest price on your car insurance. The greatest mistake car-owners make...
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10 Ways to Save on Auto Insurance (part 2)

4.  Decrease Coverage on Lower Value CarsIf your car is new, or is being financed, of course it makes sense to purchase “Full Coverage” to protect your investment. Remember as a “rule-of-thumb”, insurance works best when it is used to protect you from major losses rather than annoying yet small claims. With that advice in mind, if your auto is no longer a “late model” or does not have a va...
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