If your child has recently started driving, you know how expensive it can be to purchase car insurance for them. While there’s really no way around paying more for covering your teen, there are many ways to keep the increase as small as possible.

- It may be cheaper to add your child to your own car insurance policy that purchasing an individual policy. That way all your discounts you’ve earned also apply to your teen.
- Check to see if your insurance company offers good student discounts. Students that make a B or higher are eligible for the discount.
- You can save a lot of money if your new driver takes a defensive driving course. Insurance companies offer lower premiums and your child can learn valuable driving techniques.
- Shop around for the best prices. While your insurance policy may be the least expensive for you, it could be extremely costly for teen drivers.

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.

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.

Illinois auto insurance providers of Insure on the Spot are thrilled to announce a variety of activities happening around Illinois this weekend…

On Thursday, the Christian Youth Theatre Chicago will present “Joseph and the Amazing Technicolor Dreamcoat” at Batavia High School.  The show runs Thursday through Sunday.  Tickets are $9-12 presale.  Visit www.cytchicago.org to purchase tickets.

The Chicago Suburban Orchid Show and Sale will take place Saturday from 10am-5pm and Sunday 10am-4pm at the DuPage County Fairground in Wheaton.  Orchids, planting supplies, and books will be for sale.  Demonstration on repotting will also take place.  2015 Manchester Drive. For more details, visit www.bataviaorchidsociety.org

Illinois auto insurance agents of Insure on the Spot recommend a variety of holiday activities happening around the Chicagoland area this holiday season…

“Holiday in the Heights” is a Second City production held at the Metropolis Performing Arts Centre in Arlington Heights.  The show is not recommended for children.  For tickets and information, visit www.MetropolisArts.com

On Dec 22 from 12-6pm, Hanukkah Family Funland will take place at the Buffalo Grove Town Center.  Hanukkah activities, music, entertainment, and prizes abound for the whole family to enjoy.  For details, visit www.hanukkahfamilyfunland.com

The New Year’s Eve Ball held at the Chevy Chase Country Club in Wheeling will begin at 7pm on Dec 31.  The Dick Elliott Orchestra will provide music, and a four station dinner will be served.  Visit www.chevychasecountryclub.com for tickets

The National Highway Traffic Safety Board announced on Tuesday a proposal across the country to ban all cell phone use while driving.

In August 2010, a car accident in Gray Summit, MO killed two people and injured 38 others.  It was later found that prior to the accident, the 19 year old driver who was responsible for the accident sent 11 text messages in 11 minutes.  This incident was the impetus for the Board’s proposal.

“More than 3,000 people lost their lives last year in distraction-related accidents…no call, no text, no update, is worth a human life,” stated Chairwoman Deborah A.P. Hersman.

This proposal sends a strong message to legislatures responsible for changing laws regarding cell phone use.

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.

Statistics show that more people opted for pay-as-you-go car insurance policies during the economic recession.  Several car insurance providers responded to this trend by expanding their pay-as-you-go programs.

In a survey of drivers, 24 percent of drivers said that they would consider driving less to pay less for their car insurance coverage.  Another 35 percent of survey participants said that they would consider driving less depending on how much money they could save.  20 percent reported that they could not drive less and 21 percent said they would not consider driving less in order to pay less for car insurance.

Pay-as-you-go insurance policies allow drivers to save up to 30 percent on their car insurance by determining how much a driver pays based on the number of miles they drive.  These policies also take into account the time of day that a policyholder drives, accident histories, and traffic citations.

If you are looking for a more affordable car insurance policy, contact the Illinois auto insurance agents of Insure on the Spot at 1-888-972-SAVE to learn more about how we can help you.

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