A new study by the Society of Automotive Engineers has revealed that 48 percent of all drivers do not properly use their turn signals when changing lanes. Not using a turn signal at all or failing to turn it off in a timely manner results in two million accidents a year.

In all, the study estimates that two billion turn signal violations occur every day. Researchers observed that one in four drivers failed to signal for a turn.

These findings are consistent with a survey conducted by Response Insurance in 2006. Of the drivers between the ages of 18 and 24 that responded to the survey, 71 percent said they did not use their turn signal.

A failure-to-signal citation could cause you to lose your good driver discount and may even increase your car insurance premiums. For a free quote, contact the car insurance agents of Insure on the Spot at 1-888-972-SAVE.

Illinois took the 41st spot in a new survey by Insure.com that ranked states according to car insurance rates. Drivers in Illinois pay less for auto insurance than most of the country, averaging a yearly rate of $1,192. Louisiana residents pay more than double with an average of $2,536, making it the most expensive state.

More than good or bad driving and what kind of car you own affect rates. Insurance companies also consider the area’s crime rate, recent natural disasters, amount of uninsured drivers, and state insurance laws.

The most expensive states for car insurance usually have a lot of uninsured drivers and see high levels of insurance companies award accident victims.

Driving without insurance can have significant financial and legal repercussions. If you live in Illinois and are looking for affordable car insurance, contact the car insurance agents of Insure on the Spot at 888-972-SAVE today.

A one-car accident in Chicago left four injured near the intersection of 47th Street and Cottage Grove Avenue. The driver, a 21-year-old Chicago man, lost control of his vehicle and crashed into a fire hydrant.

The man was traveling with three passengers at the time of the accident, and they all sustained varying degrees of injuries. A 22-year-old woman was sitting in the front seat, and the accident occurred after the driver and the woman had an altercation. Two young children, ages 1 and 3, were in the back of the car and were taken to a children’s hospital in the area.

All of them suffered serious injuries, and the children are said to be in critical condition. The man was cited for operating a motor vehicle without proper vehicle insurance.

It is important to be insured while on the road in Illinois. If you are in the market for auto insurance, please contact the Illinois auto insurance agents at Insure On The Spot by calling 888-972-SAVE today.

Vanessa M. Castillo, 25, was arrested and charged with driving under the influence for causing a collision that seriously injured herself and the other driver.

Castillo drove inbound in the outbound lanes of the Kennedy Expressway early Wednesday morning.  She was driving a silver Chrysler Sebring when she clipped a semi truck, a Mazda, and finally crashed head on into a Nissan Maxima.  She was charged with driving under the influence, driving the wrong way, and operating a vehicle without a driver’s license on Wednesday.

The 34 year old woman in the other vehicle fractured both of her legs, but was still conscious when police arrived. She was taken to Advocate Illinois Masonic Medical Center.  Castillo was unconscious and smelled of alcohol at the scene.  Her drivers license was suspended in 2009 for not having high-risk car insurance.  She has a record with many other infractions listed.

It is very common that after a tragic car accident occurs, it is discovered that one of the vehicles’ drivers has very little or no car insurance.  If that is the case, the injured persons involved in the crash seek out underinsured-motorist coverage from their own insurance company to compensate for the medical expenses relating to the accident.

The Appellate Court of Illinois faced a case called Columbia Mutual Insurance Company v. Herrin, in which the court had to determine the amount of underinsured-motorist coverage each person could receive from their insurance company.  This can be a very difficult decision, and is one that can be avoided with proper auto insurance coverage.

If you are looking for affordable car insurance, contact Illinois auto insurance agents of Insure on the Spot by calling 1-888-972-SAVE.

On Tuesday, State Senator John Cullerton (D-Chicago) stated that there is a strong possibility of a cell phone ban on its way to the state of Illinois.

It has been illegal since 2005 to drive while using a cell phone in the city of Chicago.  And on New Years Day, the state banned large truck and bus drivers from using a cell phone unless it is hands-free.

Last month, the National Transportation Safety Board made suggestions that cell-phone use both hands-free and handheld should be banned across the country.  State Senator Cullerton said,  ”It’s the distraction in talking to someone that’s not in the car with you. It’s not what’s in your hand, it’s what’s in your head.”  It is unclear when this new law would be added, but driver safety has been a very popular issue amongst the state legislature.

Illinois auto insurance agents of Insure on the Spot are pleased to announce holiday events around Chicagoland…

“Breakfast with Santa” at Carpentersville Veterans of Foreign Wars Post 5915 is this Sunday Dec 11.  The fundraiser breakfast will run from 8am- 12pm.  Eggs Benedict and steak and eggs will be served, and activities will be setup for children.

First Congregational Church of Dundee will hold a holiday concert called “A Thrill of Hope,” by Joel Raney with chamber orchestra during services on Dec 11 at 9am and 11am. 900 S. Eighth St. (Route 31 and Angle Tarn), West Dundee.

“Dewey’s Christmas Tail” Puppet Show at Elgin Bible Church is running at 6:30pm on Saturday Dec 10 and 2:30pm on Sunday Dec 11.  “Hands 4 Him” puppet team will put on a fun-filled religious Christmas puppet show. 1580 E. Chicago St. (Route 19) in Elgin.

For more information, visit the Sun-Times website

The prevention of drunk driving is the key focus during the month of December.

In Illinois, it is considered illegal to knowingly permit an intoxicated driver to get behind the wheel. If that person were to be pulled over and arrested for drunk driving, the passenger could be arrested as well. This violation can result in a one-year prison sentence as well as a $2,500 fine.

Drunk driving accidents increase during the month of December due to holiday parties associated with an increased level of drinking. It is important, especially in the state of Illinois, to plan ahead for a designated driver before going out this holiday season.

Accidents happen every day. It is important to have car insurance to be protected. If you are in the market for car insurance in Illinois, please contact an Illinois auto insurance agent at Insure On The Spot today by calling 1-888-972-SAVE today.

Drivers in the state of Illinois are being urged by the Illinois State Police to drive with caution when traveling for the Thanksgiving holiday.

Excessive traffic and impatient drivers could increase the chances for car accidents to happen over the long weekend. Police will be conducting roadblock tests all over the state in an effort to remove reckless drivers from the road this weekend.

Last year there were numerous accidents that resulted in over 700 people being injured, 15 of them fatally. Drivers need to keep the distractions to a minimum in their vehicles, pay attention to their surroundings and most of all, be patient. Travel safely this holiday weekend in order to prevent a car accident.

Accidents can happen at any time and it is important to be insured. If you are in the market for auto insurance please contact an Illinois auto insurance agent at Insure On The Spot by calling 1-888-972-SAVE today.

Mothers Against Drunk Driving, MADD, has been in practice for five years to try to eliminate drunk driving on the roads.

The organization distributes a five-star rating to states that have shown exemplary efforts against drunk driving. Five states have qualified for this rating including; Illinois, Arizona, Nebraska, Utah and Kansas.

There are five different standards that the states have to put into place to earn this award. One of these consists of setting up sobriety checkpoints throughout the state. Another standard involves license removal of individuals who have been charged with driving while intoxicated.

Illinois is committed to safe driving but car accidents can still happen every day and it is important to be insured. If you are in the market for car insurance, please contact the Illinois auto insurance agents of Insure On The Spot by calling 1-888-972-SAVE today.