If you own a car in Chicago, then you probably already have basic liability auto insurance. The state of Illinois requires all drivers to carry this basic level of insurance at the very least when driving on public roads. And, the consequences for disobeying this law are severe. It is highly recommended that people who drive their cars regularly in or around the city should carry more than just basic liability coverage.


Basic liability coverage will only protect another person’s vehicle in the event that you get into an accident that is your fault. That means there will be no coverage for the damages to your own vehicle. There are many risks that come along with owning a car and driving it every day, especially for those who live in Chicago. Given the changing climate and increase in crime, you should greatly consider extending your auto insurance coverage beyond the bare minimum required by the state.


As summer comes to an end and we get closer to winter, every driver will begin to feel the effects of the changing weather on their automobile. Cars get buried in snow while parked over night, engines freeze, etc. If a bad wind storm pushes a tree over onto your car, leaving it totaled, your insurance company will not help foot the bill with only basic liability coverage. In order to be protected from the threat of natural disasters, you need comprehensive auto insurance. This type of coverage also applies to car theft.


Collision insurance is another type of coverage that every driver should consider buying before winter gets here. The roads are going to get icy and the days are going to get darker, which means driving will be more dangerous than it is in the summer. The chance of you getting into a car accident are greater than ever in the summer. With collision coverage, you can be certain that if you get into a wreck, your insurer will help you pay for the cost of fixing damages to your car.


In the recent months, there have been many cases of armed robberies and carjackings in the southwest side of Chicago. Just the other week, two 19-year-old males robbed a 25-year-old man at gunpoint, getting away with his cell phone and SUV. Later that night, they were caught by police and taken to jail. With comprehensive auto insurance, you would be covered in a situation like this. Assuming the suspects got away and you never saw your car again, your insurance company would help pay for the cost of replacing it.

Is Auto Insurance More Expensive if You Own an Electric Car?

In today’s world, more and more people are switching to electric vehicles. If you too are thinking about making the switch, you might be wondering about how it will affect your car insurance rates.


There is no definitive answer as to whether or not electric automobiles cost more to insure. At the end of the day, insurance companies only care about risk. So you (and your driving record) will be the ultimate factor when they are deciding how high the premiums will be. However, electric cars tend to cost more to build and maintain than gas powered cars. After all, replacing a battery will cost much more than replacing an engine, simply because the technology is more advanced.  While there are many factors at play, you can assume that your electric vehicle will cost more to insure than your old gas powered one.


At Insurance Navy in Palos Hills, we offer low-cost auto insurance rates. Whether you are driving an electric or gas powered vehicle in or around the city of Chicago, we will set you up with a high-quality and affordable car insurance policy. If you have any questions, the Insurance Navy agents are here to help. You can also learn more about our cheap auto insurance policies by visiting our website at www.insurancenavy.com

Do You Need Comprehensive Auto Insurance?

All drivers are required by the state of Illinois to carry Basic Liability car insurance. However, many people also choose to carry Comprehensive Auto Insurance, which provides a much higher level of protection. But how do you know if it is worth spending the extra money? Here is a breakdown of what Comprehensive Auto Insurance covers.


Comprehensive Auto Insurance will help cover the cost of repairing or replacing your car in the event of a natural disaster. In situations like a flood, fire, hailstorm, or tornado, you will be covered. Your Comprehensive Auto insurance policy will be customized to fit the climate you are driving in.  If there are frequent tornados where you live, then tornado coverage will be included in the policy. You will also be covered in the event of your car being stolen or vandalized.


At Insurance Navy in Palos Hills, we provide low-cost auto insurance policies with high-quality coverage. If you are looking to find affordable auto insurance, the Insurance Navy agents are here to help. You can also learn more about car insurance in Chicago by visiting our website at www.insurancenavy.com

Auto Insurance for Families

Covering your entire family under one Auto Insurance policy is a good way to save time and money. Whether your family owns one vehicle or multiple vehicles, your insurance agent will be able to set you up with a family auto insurance policy that fits the needs of everyone in your home.


It is helpful to create one insurance policy for the whole family because it saves a lot of time. With just one policy, you don’t have to set up multiple meetings with your insurance agents, sign multiple contracts, or pay multiple premiums each month. One policy for the whole family makes the process of purchasing auto insurance much less of a headache.


The main advantage to a family auto insurance policy is the amount of money saved. The more family members you have in the plan, the more of a discount you will get from the insurance company. However, there can be disadvantages. If, for example, one of your family members is a “troubled driver” with a series of accidents and traffic violations on their record, the whole family, or whoever pays the bill, will have to pay higher premiums. Depending on your situation, it might make financial sense to exclude that family member from the family plan and have them sign their own auto insurance policy.


At Insurance Navy in Palos Hills, we provide low-cost auto insurance. with high-quality coverage. If you own a car in or around Chicago, the Insurance Navy agents will guide you toward the best and most affordable auto insurance policies. If you want to learn more about Illinois auto insurance, please visit our website at www.insurancenavy.com

How Age Affects Auto Insurance

There are certain uncontrollable factors that increase your auto insurance premiums, age being the perfect example. If you are between the ages of 16 and 24, you will pay higher car insurance rates than any other group. So, what happens as you get older? Will your auto insurance premiums gradually go down?

Technically, yes. But that is assuming you maintain a clean driving record, along with other factors. As you mature as a driver, you have more time to prove to the insurance company that you are not a liability. However, many people believe that as soon as you turn 25, your premiums suddenly drop. This is not the case. It is different with every driver. Many other factors come into play, such as marital status, credit score, and occupation. But, for the most part, drivers with a clean record above the age of 25 will definitely see a gradual drop in their car insurance rates.

At Insurance Navy in Palos Hills, we offer the best and most affordable auto insurance in Illinois. If you own a car in Chicago or the surrounding area, the Insurance Navy agents will help you find the most affordable auto insurance policy. If you have any more questions about our cheap auto insurance policies, please visit our website at www.insurancenavy.com

Save Money by Paying your Auto Insurance Premium in Full

If you want to save money on auto insurance, then paying the premium up front is one way to do it. Most people do not know that insurance companies charge fees to break the premium up into monthly payments. The more payments you make, the more fees you will have to pay. So, if you are paying cheap rates every month, the fees will add up, and your policy will end up being more expensive in the long run.

If you have enough money in the beginning, paying the premium in full is a great way to save some cash. The other benefits are not having to worry about missing your payments or accidentally paying them too late.

Insurance Navy provides cheap auto insurance with many options for payment. We will work with you to set up a plan that is convenient and saves you money. If you have any questions about finding inexpensive auto insurance, the Insurance Navy agents in Palos Hills are here to help! You can also learn more about car insurance on our website at www.insurancenavy.com

How to Get Discounts on Your Auto Insurance Policy

There are many different ways to receive discounts on car insurance. In order to drive away with the cheapest auto insurance policy, you need to figure out what discounts your company provides and how to become eligible for them.

If you present proof that your prior insurance went uninterrupted for at least six months, your agent might hook you up with a discount as high as 10%. If you own two or more vehicles that are covered under the same contract, that could make you eligible for another 10% discount. Also, if you are a high-school or college student with an above average GPA, some agencies will give you a 5% discount.

At Insurance Navy, we offer discounted rates for clients who bundle their home and auto insurance. If you have any questions about finding a cheap auto insurance policy, the Insurance Navy agents will happily provide you with the answers. You can also find more information on our website at www.insurancenavy.com

How to Lower Your Car Insurance Rates

If you are a male between the ages of 16 and 25, you pay a higher insurance rate than any other age or gender group. So, what can you do to bring those premiums down? Well, there are several things you can do to make yourself seen as less of a liability.
The first thing you need to do is prove that you are not dangerous behind the wheel. Luckily, many insurance companies provide pay-as-you-drive discounts, which involves placing a device into your car that monitors your driving. So, if you obey all the rules of the road, your insurance company will see the proof in your car’s device, and you will become eligible for a lower auto insurance rate.
Another thing you can do is investigate rate-reducing options. Many non-driving factors go into determining your monthly premiums. One example is credit score. If you turn a bad credit score into a good one, chances are you will be able to find yourself a more affordable auto insurance policy.
If you have any questions about low-cost auto insurance policies, Insurance Navy agents are standing by with answers. You can also find more info on our website at www.insurancenavy.com