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 More10 Ways to Save Money on Motorcycle Insurance
In the 28 years I have been selling for Urban Insurance, I am still amazed by how wide the range of insurance prices can be between one bike and another. What might shock you is that it is the "Style" of the bike that makes a larger difference than the "Cost" of the bike. This is important fact to consider before coming home with that new "Sport Bike". For most people, a motorcycle is driven only ...
Read MoreSaving 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...
Read MoreAverage 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...
Read MoreDo 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...
Read MoreInsurance 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...
Read More“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...
Read MoreSave 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...
Read MoreI 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...
Read MoreLaw 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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