House Bill 1378 was recently signed into law by Governor Pat Quinn and protects volunteer drivers in the state.

The legislation prevents auto insurance providers from charging volunteer drivers more on their premiums or policies because they are volunteer drivers.  Furthermore, the new law prevents auto insurers from denying volunteer drivers coverage on a vehicle.

Volunteer drivers must still have liability insurance.  Also, car insurance providers can take into consideration many other factors besides the the fact that a vehicle is being used by a volunteer driver in determining the cost of a policy.

Quinn said of the new law, “Many seniors rely on others when they need to go to the grocery store, pick up prescriptions or visit the doctor, and it is important that their volunteer drivers have the insurance coverage they need.  This legislation clears hurdles for volunteer drivers who are helping our seniors maintain their independence.”

If you or a loved one is looking to purchase affordable auto insurance, contact the Illinois auto insurance providers of Insure on the Spot at 1-888-972-SAVE to get a free online car insurance quote today.

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3 car insurance providers recently announced that they are offering marriage discounts to same-sex couples in states where same-sex marriage, civil unions, and domestic partnerships are legal.

Allstate and State Farm are providing same-sex couples with the same discount of up to 10 percent that drivers who are married often receive.  In addition, Esurance is offering a similar discount to same-sex couples, but the discount is currently limited to Illinois, Oregon, Washington, and California.

Marital status is generally considered when determining a driver’s premium because married drivers have been shown to be less likely to be in an accident.  A spokesperson for State Farm said of the same-sex discount, “Marriage is marriage.  It doesn’t matter if you are married to someone of the same sex.”

Contact the Illinois auto insurance providers of Insure on the Spot by calling 1-888-972-SAVE today, if you or a loved one has questions about affordable car insurance coverage in Illinois.

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This week the National Insurance Crime Bureau released a report titled “Hot Wheels 2011.”  The study examines data submitted to the National Crime Information Center on stolen vehicles.

The NICB analyzes the data and determines which 10 makes, models, and models years were the most frequently stolen.  The vehicle that was most stolen in the United States in 2010 was the 1994 Honda Accord.

Other vehicles included on the list are the 1995 Honda Civic, 1991 Toyota Camry, 1999 full size Chevrolet Pickup, 1997 Ford 150 Series/Pickup, 2004 Dodge Ram, 2000 Dodge Caravan, 1994 Acura Integra, 2002 Ford Explorer, and 1999 Ford Taurus.

If you have questions about finding the car insurance policy that is right for you and your vehicle, contact the Illinois auto insurance providers of Insure on the Spot at 1-888-972-SAVE to learn more.

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Illinois State Police officers advise drivers to be more cautious when driving on I-80 over the next several months.  Two construction projects on the highway are expected to last through late fall.  Since the projects began, accidents have already increased by 52 percent.

Drivers should try to avoid distracting behaviors on the highway when there is heavy traffic or construction projects.  Furthermore, drivers should look out for construction workers on or near the roadway.

In addition, alternate routes away from the construction have also experienced heavier traffic and a greater number of accidents.

If you are looking to purchasing auto insurance to be better protected on the road, contact the Illinois auto insurance agents of Insure on the Spot at 1-888-972-SAVE to learn more about getting a free online car insurance quote today.

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Monday, six people were injured in a four-vehicle accident in Plainfield, Illinois that caused an 18-wheeler to catch fire.  According to the Illinois State Police, the accident occurred on U.S. 30 at 111th Street around 6:30 PM.  A large construction vehicle crossed over the center line and collided head-on with the 18-wheeler after first striking a car and a pickup truck.

The driver of the semi-truck was able to get out before it caught fire.  He suffered minor burns and a head injury.  The driver of the construction vehicle was seriously burned and had to be airlifted to Loyola University Medical Center.  Three people in the car and the driver of the pickup truck also had to be treated at hospitals for various injuries.

Both the construction vehicle and the pickup truck have serious front-end damage from the accident.  Police believe the passenger car was clipped before hitting the pickup and semi-trucks resulting in back-end damage.

Accidents can occur at any time, so it is important to always be protected with quality car insurance.  If you or someone you know is considering purchasing car insurance, contact the Illinois car insurance agents of Insurance on the Spot at 1-888-972-SAVE to get a quote today.

This Tuesday afternoon, an elderly Galesburg woman accidentally backed her car into Cedar Fork creek.  90-year old Roma Most was leaving the Midwest Bank of Western Illinois on West Main Street in Galesburg when she back her car out of the bank’s parking lot and into Cedar Fork creek.  The creek is located just south of the bank.

Galesburg police and firefighters quickly arrived at the scene of the accident and helped pull Most out of her vehicle.  The vehicle had flipped into the creek and was upside down when crews arrived to help.  Fortunately, Most appeared uninjured but was taken to Galesburg Cottage Hospital just in case.  She was released just a couple hours after the accident.

If you or someone you know needs to purchase car insurance, contact the Illinois auto insurance agents of Insurance on the Spot at 1-888-972-SAVE to learn more.

Early Saturday morning around 2 AM, a three-vehicle accident occurred on Chicago’s Northwest Side that sent 9 people to hospitals for injuries.  20-year old Oscar Reyes was traveling westbound on Fullerton Avenue in his Infiniti with six passengers when he struck a parked car.  Reyes fled the scene, did a U-turn, and began to drive east down Fullerton.  He then collided with a cab and SUV at the 2900 block of Fullerton.

Three of the passengers in Reyes’ car were ejected from the vehicle and suffered serious injuries.  Reyes, all six of his passengers, the cab driver, and the SUV driver all had to be taken to hospitals for various injuries.  Only a woman passenger in the cab walked away from the accident without injury.  Seven of the injured were listed in serious to critical condition and two were listed in fair to serious condition.

Accidents can happen at anytime, so it is important to always be protected with quality car insurance.  If you or someone you know is in need of auto insurance, contact the Illinois auto insurance agents of Insurance on the Spot at 1-888-972-SAVE to learn more.

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Four people were injured in a two-vehicle accident on the Northwest Tollway in Illinois Friday afternoon.

According to officials with the Elgin Police Department, the accident happened shortly after 5:00 p.m. Friday in the eastbound lanes of the Northwest Tollway near the entrance ramp to Illinois Route 31. Elgin Fire Department Captain Dave Shmidt explained the accident in a statement.

“There was a Jeep getting on I-90 eastbound from Route 31,” Schmidt said. “As he entered the tollway, somehow he ended up spinning out facing westbound in the eastbound lanes and got hit by a Ryder truck that was coming eastbound.”

An Illinois State Police Tollway District master sergeant said one of the jeeps three passengers was listed in critical condition and transported to Sherman Hospital in Elgin with two others who were seriously injured and one who sustained only minor injuries.

The accident remains under investigation, police say. It is not known why the driver of the Jeep lost control, but authorities do not believe drugs or alcohol to be a factor.

Even the safest drivers can get into accidents, and driving without insurance can be costly. If you or someone you know is looking for affordable car insurance, contact the Illinois auto insurance agents of Insure on the Spot by calling 1-888-972-SAVE for your free, no obligation quote.

Car-crash insurance scams are on the rise, according to a new report released by the National Insurance Crime Bureau.

The report shows that questionable insurance claims are up 46% from 2007 to 2009. The study ranks states with the highest number of claims from accidents that are most likely staged, with Florida coming in at number one, with 3,006 questionable claims in the three year period. New York ranks second with 1, 680 questionable claims, followed by California (1,619), Texas (792) and Illinois with 433 questionable claims.

The criminals who perpetrate these staged accidents usually work in groups, according to the National Insurance Crime Bureau. A typical scam may include paid witnesses, several drivers, passengers who will claim injuries, and medical providers who will make false claims for “treatment.” It is estimated that auto insurance fraud adds $200 t0 $300 a year to the average annual insurance policy cost.

If you or a family member is looking to insure a vehicle, contact the Illinois car insurance agents of Insure on the Spot for your free, no obligation quote by calling 1-888-972-SAVE.

A woman’s car slid into a train track in Illinois. She got out just before the train struck her car.

The accident happened around 5:15 p.m. The woman’s car tires got stuck on the train tracks after her car slid onto them. The train dragged her car 70 feet.  She escaped with no injuries, but was cited for operating an uninsured vehicle and improper lane usage. Police reported many accident because of the weather conditons. They later issued a Level 1 Snow Emergency.

If you or someone you love has been looking for affordable car insurance, contact the Illinois car insurance agents of Insure on the Spot for your  free, no obligation quote. Call today at 773-202-5060.