Have All Information on Hand

While your auto insurance services in Chicago will have your information readily on hand, there’s plenty of other information they need when you make a claim. This includes the name, address and insurance policy information of any other parties involved in the accident. Details about the accident, such as when and where it took place, should also be provided at this time. Having a copy of the police report on hand can give you easy access to this information.

Make a List of Questions

It’s not unusual to be unclear about many aspects of making an insurance claim. This is especially true if it’s your first time. From the moment you’re involved in the accident until you speak to someone from your insurance company, keep a written list of questions so you don’t forget to ask anything. Be sure to write down the answers so you don’t forget. If any other questions arise after the initial call, don’t hesitate to call back.

Don’t Delay

There is often a statute of limitations when it comes to filing claims for auto accidents. While this timeframe may seem like a long time, it’s best to speak with your auto insurance services in Chicago as soon as possible after the accident to get things started.

If you’re looking for experienced auto insurance services in Chicago you can rely on, contact us. We’ll be happy to help you find the perfect insurance policy for your needs.

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Pay Some Now to Save More Later

Accidents happen in Chicago every day. Having an accident is more than just a little inconvenient. The costs of crashing a vehicle can be astronomical, especially if there are injuries and lawsuits. Having a policy with an auto insurance provider in Chicago can help protect both you and your assets from liability lawsuits.

Save Time and Inconvenience If Involved in an Accident

Hopefully, you won’t ever experience an automobile wreck, but statistics say you are likely to at some point. If you do, having insurance can help you through the process. The expertise of your insurer can help you by dealing with the other driver’s insurance, walking you through the claims process and helping you settle the claim quickly and fairly.

It’s the Law

Illinois, like most states, requires drivers to carry at least liability insurance on their vehicles. Driving without proof of insurance can result in fines and sometimes the suspension of your driving privileges. You could even get your vehicle impounded. To follow the law and avoid penalties, you’ll want to make sure you have a reputable auto insurance provider in Chicago.

Why wait any longer to reap these benefits and get the best rates and policy options? Call us today to get a free price quote.

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Comparison Shopping

As you set out on your search for an auto insurance plan in Chicago, you’re likely to come across many companies claiming to offer the lowest rates possible. You might even be tempted to choose one of those companies for the sake of convenience. After all, who wants to use up all their free time shopping for auto insurance? However, comparison shopping is important when it comes to getting the best rate possible, especially if you don’t want to lose the coverage you need just to save a little cash. Be sure to take a look at several companies and think thoroughly about not just what you can afford to pay, but what coverage you really need for your vehicle.

Work With an Independent Insurance Agency

One of the smartest things you can do when trying to find an affordable auto insurance plan in Chicago is to work with an independent insurance agency. Agencies have connections with multiple auto insurance providers, which means they can more easily compare the various plans available to find the one that best suits your needs, all without driving up your costs on auto insurance. They can even help you score special discounts or deals that may be available to save you even more money.

If you’re searching for a quality, affordable auto insurance plan in Chicago, contact Great Northern Insurance Agency either online or by phone at 773-838-3900.

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En primer lugar, debes saber que el SR-22 no es realmente un seguro de automóvil. El seguro de automóvil que te exigen, en realidad, es similar al que podrías tener antes, con la diferencia de que, en este caso, va junto a un certificado. Este certificado es el SR-22, el cual implica dos cosas:

1. Que la autoridad de tráfico te considera un conductor de riesgo.
2. Que la compañía aseguradora tiene la obligación de informar a la autoridad de tráfico si cancelas o dejas de pagar el seguro.

Estos dos puntos anteriores tienen implicaciones serías. La primera es que el precio de un seguro que requiere SR-22 es irremediablemente más alto que un seguro normal. A mayor riesgo para la compañía, mayor es el precio a pagar.

No obstante, una agencia de seguros de auto como Greatnortherninsuranceagency.com puede conseguirte cotizaciones muy competitivas para buenos seguros.

La segunda implicación es que si te han notificado que necesitas el SR-22, no debes conducir sin él bajo ningún concepto. Hacerlo conllevará sanciones económicas e incluso puedes ir a la cárcel y perder la licencia de forma permanente.

En cuanto a cómo funciona, lo más importante es saber que tienes la obligación de tenerlo durante un plazo fijo que te detallarán en la notificación. Este plazo no se puede interrumpir. Si dejas de pagar a tu aseguradora y, por tanto, se interrumpe el seguro, el plazo volverá a empezar de cero y todo el tiempo que haya pasado se perderá.

Por lo demás, funcionará como cualquier otro seguro, en caso de accidente, podrán asistirte en función de las coberturas que tengas contratadas. Deja de preocuparte y consulta ahora a un verdadero experto en seguros. Verás cómo todo es más sencillo de lo que parece.

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How SR-22 Rates Work

When you file for SR-22 auto insurance and get a policy, you will pay a monthly fee. In the state of Illinois this fee starts at $22, though it can be as high as $36 a month if you’re a younger driver or if you live in a zip code where rates on average tend to be higher. When a company takes you on as a customer for SR-22 insurance, they will send in the verification document and make the payment for you. The fee is typically billed to you along with the rest of your policy. However, the monthly fee is not the only thing that affects SR-22 insurance rates in Chicago.

Policy Prices

When you get SR-22 insurance, you are essentially showing you are maintaining the minimum amount of liability coverage. The policy you end up purchasing will have a lot to do with how much you pay overall and can vary, depending on many factors. It works pretty much the same way as any auto insurance policy. If you’re a younger driver or have been shown to be a higher risk, you might end up paying a little more. However, comparing policies from various companies can still help you get more affordable SR-22 insurance rates in Chicago.

If you’re ready to learn more about SR-22 insurance rates in Chicago, contact the team at Great Northern Insurance Agency online or by phone at 773-838-3900.

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Por eso, al elegir un seguro de automóvil con descuento es aconsejable comprobar lo siguiente:

Coberturas mínimas

Lo primero e ineludible es que el seguro cumpla con las coberturas mínimas. Si no es así, manejar por cualquier lugar de Illinois sería ilegal y desde luego no tendría sentido pagar por ningún seguro con estas características.

Fíjate en la asistencia en carretera

La asistencia en carretera es una característica que no suelen ofrecer las coberturas mínimas, pero puede resultar muy útil en un momento dado.

Aunque el precio sea un factor importante, reflexiona sobre si te merece la pena añadirla.

Contrata una compañía que responda

Además de obtener una buena relación calidad precio en la cobertura, es interesante que te informes sobre la compañía. ¿Responden bien cuando abres un parte? Son realmente de ayuda?

Las referencias de otros consumidores y de los agentes de seguros independientes te pueden resultar útiles. Una buena cobertura se echa fácilmente a perder con un mal servicio.

Antes de contratar, compara

Antes de lanzarte a contratar un seguro de auto con descuento, compara precios y coberturas con otras aseguradoras. No te dejes llevar por la sensación de urgencia que los expertos en marketing siempre quieren crear.

Tómate tu tiempo para decidir y conocer los productos. Si no lo tienes, puedes acudir a agencias de seguros como Greatnortherninsuranceagency.com. Ellas conocen perfectamente el mercado por lo que pueden ofrecerte los mejores productos de forma instantánea o asesorarte de por qué ciertas ofertas no son tan buenas como parecen.

Ten en cuenta tu vehículo

Aunque todos queremos pagar lo mínimo, si tu vehículo es muy importante para ti, por ejemplo, porque lo necesitas para trabajar, seguramente no sea aconsejable limitarte a una cobertura mínima. Al fin y al cabo, si no puedes trabajar durante un mes o, peor aun, pierdes tu trabajo por causa de un auto que no funciona, perderás mucho más dinero que lo que inviertas de más en una cobertura decente.

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1. Contrata la cobertura mínima legal

El estado de Illinois obliga a los conductores a tener un seguro de auto. Según la ley, hay unos límites mínimos que todo conductor en Chicago debe tener cubiertos por su seguro. Si quieres pagar poco por tu seguro no te pases de estos límites.

2. Maneja responsablemente

Las aseguradoras estudian tu historial para ofrecerte un precio. Si llevas años manejando sin sufrir accidentes, podrás negociar mejor que si cada año les notificas sólo uno o dos problemas. A veces, los accidentes son inevitables, pero manejar de forma segura ayuda bastante a reducir sus probabilidades.

3. No abras un parte por cualquier cosa

El seguro es un servicio y cubre todo lo que establece la póliza. Ahora bien, a veces, hay pequeños problemas que podemos arreglar nosotros mismos sin problema. Cada año que pasa sin incidentes juega a nuestro favor para la negociación. Si te tomas el seguro como un respaldo para los problemas graves y tú te haces cargo de los pequeños, podrás negociar mejor. De hecho, muchas compañías ya contemplan esta posibilidad estableciendo en el contrato una cláusula por la que tú pagas los primeros 100, 200 o 300 dólares del problema que sea y ellos se hacen cargo del resto. Esta fórmula abarata bastante la póliza.

4. Compara

Es importante comparar varias compañías para poder negociar. La forma es sencilla. Acudes a la compañía A y le dices que la B te ha ofrecido estas condiciones. Si te las mejoran, te vas con ellos o incluso vuelves a B para comprobar si pueden mejorar las condiciones de A.

5. Negocia

Las compañías de seguros suelen estar abiertas a negociar, pero necesitas tener poder de negociación. Si tratas con ellas a través de una agencia de seguros como Greatnortherninsuranceagency.com, ellos pueden conseguirte mejores condiciones. Además, también te ayudan con el punto 4 porque trabajan habitualmente con más de 20 empresas diferentes.

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What Is an SR-22 and Where Do You Get One?

While you will need to get the form from an SR-22 insurance company in Chicago, IL, like from one of the expert agents here at Great Northern Insurance Agency, it is not a type of insurance. Instead, it is a form that you file with the state. This certificate of financial responsibility verifies that you are carrying at least the minimum amount of auto insurance required by the state. It is a guarantee from the insurance company that you are financially responsible for any accidents and maintaining coverage.

The only way to get this certificate is from an SR-22 insurance company in Chicago, IL, once you purchase your car insurance policy. There is not any other way to obtain an SR-22.

If you have a car insurance policy already, you may be able to add the SR-22 onto that policy and file it with the state. If the insurance company where you purchased your auto insurance policy will not file the form for you or you do not already have car insurance, you will need to shop for a new insurance policy.

Unfortunately, not all insurance companies will file the SR-22 certificate for you. In addition, many companies do not offer insurance coverage to drivers that have a major infraction on their driving record. You will need to compare quotes for auto insurance and select an SR-22 insurance company in Chicago, IL.

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Customer Service

Most people don’t think about the importance of customer service until they need to deal with a representative. Finding a company that offers caring and professional staff to help when you need them is incredibly important. When it comes to finding an auto insurance provider in Chicago, you should be able to judge the merit of their customer service from the moment you contact them to discuss their policies. This comes into play later if you ever have to file a claim or get any documentation regarding your policy.

Reviews

Always pay attention to what other people are saying about the insurance company you are interested in. Authentic reviews about an insurance company give you a firsthand look at how you can expect that company to treat you if you decide to become a client. If you’re looking for an auto insurance provider in Chicago, you can also compare reviews between various companies to give you a better idea of which one may be able to provide you with the type of service you think will work best for you and your needs.

If you would like to learn more about auto insurance or are searching for an auto insurance provider in Chicago, contact us today.

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