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 Chicago woman was sentenced to three years probation after she participated in a scheme to stage a car accident and cash in on the insurance money.

In 2007, she and others met up in Hammond to organize the accident. The woman plead guilty to a felony charge of conspiracy and three charges of insurance fraud. She got $4,000 from the fender-bender accident she staged on Wentworth Avenue and Michigan City Road.

The woman could have faced up to 20 years in prison and $250,000 in fines, but the judge only sentenced her to probation and $3,929 in restitution to State Farm and $750 to Travelers Insurance.

If you or someone you know is looking for affording car insurance, contact the car insurance agents of Insure on the Spot at 888-972-SAVE.

A study conducted by the University of Michigan Transportation Research Institute has shown that teens in Illinois are less motivated and excited to get their drivers licenses than in years past.

In 1983, 80 percent of 18 year olds had their drivers license, but in 2008 the numbers dropped to 65 percent.  As always, the cost of driving is high for new drivers.  The cost of gas, car insurance, and a car can all be deterrents for teenagers planning to drive.

West Aurora High School senior, Rachel Berry, stated, “I waited until I was 16 and a half (to take my test).” She also said that many of her friends also waited, and some are still without licenses.

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

Illinois auto insurance providers of Insure on the Spot are thrilled to announce various comedy acts playing this weekend around Chicago…

Fans of the book and movie, “He’s Just Not That Into You,” will be excited to hear that the author, Greg Behrendt, will doing his hilarious standup routine at the Improv Comedy Showcase this weekend in Schaumburg.  Tickets are $22.  Shows run Friday through Sunday.  For more information, visit improv.com

Funny woman and Chicago native, Kathy Griffin, is back in town performing at the Chicago Theatre this weekend to deliver the latest rants on her favorite and not-so-favorite celebs in Hollywood.  Tickets are $49.50-69.50.  For more details and to purchase tickets, visit www.thechicagotheatre.com

Illinois auto insurance providers of Insure on the Spot are thrilled to announce a variety of pet-related events happening in Chicago this weekend…

From 3-8pm on Friday in Niles, visit the “Name Your Own Adoption Fee Event.”  Help a group of adult dogs and cats find a loving home, and name your own adoption fee.  This applies to animals only six months or older.  The minimum amount for adoption is $20.12.  Wright-Way Rescue 7136 W. Touhy, Niles.  For details, visit www.wrightwayrescue.net

Chicago Party Animals are hosting “Mutts and Mimosas” adoption event on Saturday from 11am-2pm.  Come sip a mimosa and mingle with the friendly dogs looking for a new home.  All dogs are vaccinated. 1133 W. Fulton Market, Chicago.  For more information, visit www.chicagopartyanimals.com

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.

On Thursday, Illinois Secretary of State Jesse White proposed a resolution, which was approved 51-0 in the state senate, to make Illinois roads safer.

The proposal was sponsored by House Representative John D’Amico (D-Chicago) and Senator Toi Hutchinson (D-Chicago Heights).  D’Amico, Hutchinson, and White will establish the Safe Driver Advisory Council.

White stated, “We have strengthened the commercial driving license (CDL) process, we have bolstered teen driving laws, we have cracked down on drunk driving and expanded the Breath Alcohol Ignition Interlock Device (BAIID) program, and we have targeted distracted driving, just to name some areas of success.  Yet I believe even the best laws and the best programs can be made better, and more lives can be saved.  That is the over-riding goal of the Safe Driver Advisory Council: to save lives.”

If you or someone you know is looking for afforadable car insurance, contact Illinois car insurance providers of Insure on the Spot at 1-888-972-SAVE today.

According to Online Auto Insurance, a new law in Illinois emphasizes the importance of drivers having insurance for damages caused by uninsured motorists.  As it is a requirement in the state of Illinois, it is extremely important that drivers in Illinois inquire about uninsured/underinsured motorist coverage when researching car insurance policies.

Policies for uninsured/underinsured motorists are made to protect drivers in the event they are involved in a collision with a motorist who is either uninsured or whose liability limits are too low and therefore cannot cover paying for damages and injuries.  These policies also cover damages for hit-and-run accidents.

In 2009, the Insurance Research Council estimated that 15 percent of all motorists in Illinois were uninsured.

If you are uninsured and are looking for affordable car insurance, contact Illinois car insurance providers of Insure on the Spot at 1-888-972-SAVE today.

According to State Farm insurance claims data, drivers in the state of Illinois are the 32nd most likely to be involved in deer-car collisions.  West Virginia has the highest amount of car accidents involving deer in the U.S.

Deer-car collisions are the most likely to occur in the month of November and between the hours of 6 p.m. and 9 p.m.  In the year beginning July 1, 2010 and ending June 30, 2011, there were 1.09 million car accidents involving deer in the U.S.

State Farm recommends that drivers look out for deer crossing signs, use high-beam headlights, and recognize that deer travel in herds to avoid hitting deer on the road.

Contact the Illinois car insurance agents of Insure on the Spot at 1-888-972-SAVE today, if you or someone you know is looking to purchase more affordable auto insurance.

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Several cities in Illinois were included in Allstate Insurance Company’s recent “America’s Best Drivers Report.”  The auto insurance provider has been releasing the list every year for 7 years.

Officials at Allstate analyzed car accident insurance claims reported to them by drivers in the 193 biggest cities in the U.S.  Fort Collins, Colorado ranked 1st on the list with drivers in the city averaging an accident every 14 years.

Rockford had the safest drivers of any other Illinois city included on the list.  Rockford was listed at 38th with residents averaging 1 car accident every 10.8 years.  Other cities in Illinois included Joliet (96th), Aurora (112th), Naperville (125th), and Chicago (157th).

If you or someone you know would like to learn more about purchasing car insurance that will better protect them on the road, contact the Illinois car insurance agents of Insure on the Spot at 1-888-972-SAVE today.

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