I have worked at Urban Insurance Agency for more than 25 years. As an agency that specializes in auto insurance, I have seen a direct pattern between economic "Hard Times" and a surge in auto thefts. While the Bank closings and collapse of the “Sub-Prime” markets never brought us to the depths of the “Depression,” there is a sense that the “New-Normal” is dreary at best. Yes, we have improved g...
Read MoreWhat to do after an Auto Accident
In the 50 years that Urban Insurance has been in business, we have never spoken to a single customer that was “Happy” to have just been involved in an accident. The truth is accidents happen to even the best of drivers. When an accident does occur you need to remain calm, collect the needed information and make a timely report. The first thing to do upon being involved in a ...
Read MoreWhat is SR22
What is SR22 Insurance, it is a type of auto insurance that is often misunderstood by people in search of car insurance. Failing to file SR-22
when required to do so by the court, will result in your driver’s license
being suspended or revoked as well as a large fine. Because of the large
number of questions,below you will find answers to some of the most common SR22 questions. What is an SR...
Read MoreThe court is requiring me to buy SR-22 insurance, So just what is SR22?
SR-22 insurance, varies little from normal auto liability insurance, save for the states requirement that the insurance company provide an sr22 form. The SR in SR22 comes from the name of the form the state of Illinois requires- Safety Responsibility”. At times you might hear the car insurance sometimes called “financial responsibility insurance;” or people will sometime refer this “car insurance...
Read MoreWhat is an “SR22 Filing”?
Urban Insurance has specialized in writing SR-22 policies for the past 4 decades. SR22 is actually the name of the form used by insurance companies to notify the state that an insured has the required insurance coverage. People will sometime refer this car insurance as SR-22, or FR Filing or sometimes as just "Filing" insurance. While insurance is mandatory in Illinois, most drivers are not requir...
Read MoreIs Car Insurance Required by Law?
Yes. Liability insurance is required by law in the state of Illinois. The Illinois Mandatory Insurance Law requires ALL motorists to have auto liability Insurance on their vehicles or face SEVERE PENALTIES. If you are caught driving without insurance because you failed to keep up your monthly payments and your auto liability insurance is canceled you will be subject to the penalties of the law ...
Read MoreDoes the Type of Car I Drive Change my Car Insurance Rate?
The short answer is yes. The cost of any insurance policy is based on two variables, how much would the company need to pay in the event on a loss, and what is the likelihood of that loss happening. If your car is very expensive to repair or replace, your insurance company is going to need to charge you more money. If you are a young driver, or have a bad motor vehicle report (MVR), the insu...
Read MoreWhat is the Mandatory Auto Liability Insurance Law?
The Mandatory Auto Liability Insurance Law requires all motorists to have auto liability Insurance on their vehicles or face SEVERE PENALTIES. If you are caught driving without insurance because you failed to keep up your monthly payments and your auto liability insurance is canceled you will be subject to the penalties of the law including license suspension, fines of $500 to $1,000 and even impo...
Read MoreCar insurance fraud on the rise
It is so secret that desperate people do desperate things.
Just as foreclosures on homes are are rising, an increasing number of Americans are also finding them self saddled with loan payments on luxury cars they can no longer afford. As a result of years of "Easy loans" and "Too good to pass up offers" many people bought expensive autos with little or no money down.
In a slow economy with ...
Read MoreDo I need a Mexican Car Permit?
You only need a mexican car permit if you plan to drive in mainland Mexico beyond the border areas, or plan to transport a vehicle by ferry from Baja California to mainland Mexico. Permits are not required for travel on the Baja California peninsula. Car permits cot between $32.00 and $49.50 and you can obtain them at any Mexican Consulate. If you have a question, please contact us at 1-800...
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