Back in 4th grade I checked out a book from our the school library with the title “Cars of Tomorrow.” The pages were filled with illustrations depicting what the author believed would be in our driveways 30 and 40 years in the future. I hate to show my age, but that time has arrived so where are the Flying cars? I assume that at the time of landing on the moon, we were all guilty of over esti...
Read MoreWhat is Comprehensive Insurance
Comprehensive coverage is that portion of an auto insurance policy that covers damage to the policyholder's car not involving a collision with another car. Comprehensive Insurance covers damage to your vehicle caused by any unknown party or "act of God," including damage from fire, explosions, earthquakes, hail, floods, and riots, as well as theft. As with Collision coverage, your policy will pay ...
Read MoreElectronic SR22 Filing program information
Urban Insurance Agency represents several Auto Insurers that provide Electronic SR22 filing of Financial Responsibility forms with the State of Illinois. By using the Electronic SR22 filing program, the filing is entered directly into the state database, eliminating the traditional delays involved with the manual entering of the filing. This is a service we can provide on behalf of our policyholde...
Read More6 Ways to avoid being a victim of auto theft.
We depend on cars to get us to work or to school. Our cars take us to the doctor, carry our groceries, our tools; they are what we rely on to run the thousand errands that make up our daily lives. So we can all imagine the shock going outside and finding an empty spot where your car was parked. Unfortunately this is all too common an occurrence in Chicago. In 2010, there were 34,246 auto thefts...
Read MoreCar Insurance Videos
Urban is a licensed insurance agency. We are NOT a company that sells your information to a list of other companies. When you contact Urban Car Insurance, we will listen, and then find the lowest cost policy to meet your needs. We will do all the work, rather than you being bothered by 8 separate companies. This will save you time and money. Urban Insurance offers quick, accurate car insurance...
Read MoreExcluded Drivers
“Who is covered on my policy” is one of the most common questions I’m asked. I have found that many auto owners have never had an agent take the time to explain the significance of the term, “Regular customary driver.” I have had people come to our office with a suspended license, and often thousands of dollars in debt, because their old agent did not properly explain, or they did not heed their w...
Read MoreExclusion
Insurance policy prices are based on two basic factors, in the event of a loss, how much will they have to pay and secondly, what is the likelihood of a loss occurring. Exclusions are a way for insurance companies to control risk; and thereby control costs. Exclusions are provisions in an insurance policy that eliminates coverage for certain risks, people, property classes, or locations. They c...
Read MoreStates Requiring SR22 Insurance
If you are required to carry SR22 Insurance in your current state and move to a state that does not require it, you must continue to carry SR22 Insurance with the same minimum liability limits until you've met the term in your former state (usually three years). So, even if you move to a state that requires SR22 Insurance, but at lower liability limits - you'll be required to maintain the higher l...
Read MoreLicense Plate Renewal
Urban Insurance Agency has provided this information from the Illinois Secretary of State's Website, as a service to our customers. Online License Plate Renewal is the easy and convenient way for Illinois motorists to renew their license plates. We suggest you renew online no later than one month before your registration expir...
Read MoreChicago Car Insurance Claims increase, are they part of a Worldwide Trend?
It is clear that America is not the only place where a rising number of law suits are having an impact on auto Insurance rates.
As I wrote earlier this month, Car Insurance losses are effecting the bottom-line of many car insurance companies. This comes at a time when auto insurance carriers are watching some of their customers reduce their coverages, switching to higher deductibles, or dropping ...
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