Winter Car Maintenance Tips

The early winter season can be hectic, but one thing that can’t get lost in the mix is car maintenance. Car problems that were just annoying during summer time present serious safety risks when the roads get slick during winter. Addressing these concerns at the end of fall can save you a lot of headaches down the road.

Safety risks can lead to accidents which ruin your cheap car insurance in Peoria. Luckily there are some easy ways you can maintain your car to make sure it runs great this winter.

Check the Tires 

Winter is the wrong time to ignore dangerously low tire tread. Low traction and slippery roads are a bad combination. Check your tread and replace the tires if necessary. For those of you in areas that see snow in the winter, look for all-season tires.

Regularly check tire pressure during winter. Lower temperatures cause tires to lose pressure. Low tire pressure leads to too much of the tire’s surface touching the ground. This increases friction, which can cause extra wear and tear because the tires overheat. The final result: tire failure.

Get a Tune Up

Winter magnifies any existing problems your car has. So just before winter is a great time to take your car to a shop to get it into tip-top shape. Batteries are proven to perform significantly worse in cold weather. Even if your battery worked great in the summer it could die on you when temperatures drop.

The tune-up also allows a mechanic to look at your brakes. Worn brakes are extremely dangerous in winter time as slippery roads and shoddy brakes are a bad combination.

Get Prepared 

You know winter means problems are more likely to occur, so prepare for it. Make sure you have jumper cables, an ice scraper, flashlight, blanket, and extra food and clothes so that nothing catches you off guard.

Wipers

A windshield wiper malfunction at the wrong time is very dangerous. Winter weather means extra work for your wipers. Make sure they work great by ensuring you have a full reservoir of fluid before winter starts. If you notice your wipers working inefficiently, replace them immediately.

Get Cheap Car Insurance in Peoria 

For all your car insurance needs, call Accurate Auto Insurance. We thrive on meeting all of our customer needs. We want everyone to have cheap car insurance in Peoria. Call us today at 1-800-999-1034.

October is National Car Care Month!

Give your car a little extra attention this October to celebrate National Car Care Month! The Car Care Council created this day twice a year to bring attention to the importance of caring for your car and utilizing preventative maintenance to help avoid car emergencies later on. As the cool weather approaches, it’s especially important to ensure your car is working properly and will keep you safe through the harsh winter weather. Here are a few ways you can celebrate Car Care Month:

Schedule a Maintenance

The first thing you should do to celebrate Car Care Month and give your car a little TLC is schedule a maintenance. While it’s always important that all of your car’s parts are working properly, a few features like the windshield wipers and heating/defrost system are essential in the winter. Have a maintenance professional inspect your vehicle, change the oil, rotate or change the tires, check the tire pressure, and anything else they may deem necessary. This will ensure that your trusty vehicle will make it through the winter and eliminate the likelihood of maintenance emergencies later on. 

Purchase Cheap Car Insurance in Illinois

In Illinois, it’s required to have at least the minimum coverage of car insurance that falls under the Illinois Financial Responsibility law – in this case $25,000 for injury or death of one person in one accident, $50,000 for injury or death of two or more people in one accident, and $20,000 for injury to or destruction of others’ property in one accident. Car insurance protects you and your vehicle in the event of an accident, and you can face expensive repercussions if caught without it.

Accurate Auto Insurance

Celebrate Car Care month by purchasing coverage at Accurate Auto Insurance to protect yourself and your trusty vehicle from accidents and other unexpected repairs and breakdowns. Accurate Auto Insurance is the leader in cheap car insurance in Illinois and will help you figure out the coverage you need. Visit us online to get a quote in under 4 minutes!

 

Accurate Auto Insurance For Your Insurance

Auto insurance is now compulsory in all 50 states, which means you could face serious consequences if caught without it. Having auto insurance provides financial and legal security to policy owners. Finding low cost auto insurance in Chicago is easy with Accurate Insurance. We offer affordable auto insurance in Chicago to all kinds of drivers, no matter their driving record. However, as every smart buyer knows making an informed decision is important when it comes to your car insurance. Here are a few things to think about when shopping for auto insurance in Chicago.

Determine State’s Minimum Insurance Requirements

Even though car insurance is mandatory in all 50 states, the minimum requirements vary. To comply with Illinois car insurance laws you must have both liability insurance and uninsured motorist coverage. According to the Illinois Department of Motor Vehicles, minimum liability insurance must include the following:

  • $25,000 for bodily injury per person
  • $50,000 total for bodily injury per accident
  • $20,000 for property damage

The Illinois DMV also says you must have the following minimum limits for uninsured motorist bodily injury coverage:

  • $25,000 per person
  • $50,000 total per accident.

If you are a driver looking for auto insurance in Chicago make sure your insurance policy meets these minimum requirements.

Review Your Driving Record

Do you have outstanding tickets? Have you been in an accident recently? Reviewing the status of your driving record will help determine what kind of insurance is best for you. You may even need to have an SR22 certificate, which means you need to find an insurance agency that offers them. Your driving record also affects the type of insurance you can get and the cost. Find an agency that provides insurance to all drivers regardless of record.

 Get A Quote

The purpose of auto insurance is to protect you, not break the bank. Shop around for low cost insurance quotes so you can get the most competitive deal. Accurate Insurance offers insurance quotes at a cost you can afford. Go online and get your quote in less than four minutes!

Accurate Offers Auto Insurance in Chicago

Shopping for auto insurance doesn’t have to be stressful. In fact, with fast online quote acquisition, the process is made even easier. Go online to accurateinsurance.com to get an auto insurance in Chicago quote at an affordable rate. Get a quote and buy online today!

 

 

Here’s What You Should Know About Motorcycle Insurance

If you ride a motorcycle without having insurance, you could end up paying serious fines in the state of Illinois. Almost every state has minimum insurance requirements for motorcycles, and Illinois is no different. To legally register your motorcycle in Chicago, you must have the following minimum coverage:

  • $25,000 for injuries to or death of one person in an accident
  • $50,000 for injuries to or death of more than one person in an accident
  • $20,000 for property damage coverage per accident

But what exactly is liability insurance? What if you want more than the minimum coverage? Here is some basic information on motorcycle insurance Chicago.

Liability Insurance

Liability insurance, both bodily injury and property damage, is required is most states. It refers to insurance that covers you if you hit another driver and injure them or damage their car. Similarly, guest passenger liability insurance covers any harm done to a passenger riding with you on your motorcycle – whether in a side car or on the back.

Personal Injury Protection

This is often required in “no-fault” states because it can be used to pay out your medical expenses, lost wages, and other damages no matter your legal liability.

Comprehensive Coverage

Comprehensive insurance is usually more expensive, but allows you to replace your motorcycle if it gets stolen, burns in a fire, washes away in a flood, etc.

Collision Coverage

This type of motorcycle insurance helps to pay for any damage or injury sustained by you, the motorcycle, or the property that you hit in the collision.

Custom Parts Coverage

Depending on how much you customize your motorcycle, you may want to buy additional insurance coverage to cover any damage done to these custom parts in an accident or collision.

If you’re in need of motorcycle insurance Chicago, contact Accurate Auto Insurance today to request a free quote! Chicago is a beautiful city to ride through, whether along the lake or in the Loop, as long as you have the right coverage. To get the most affordable rates on motorcycle insurance Chicago, use Accurate Auto Insurance.

Courtesy of Policy Genius

Tips on Driving Safely in Chicago

The streets of Chicago are congested with cars, bikes, and people. It is important to have auto insurance in Chicago just in case something goes wrong. However, practicing safe driving is equally as important. Here are some tips to help prevent you from getting into any accidents and keep your passengers and fellow travelers safe.

Keep Your Cool

Many people become quickly overcome with road rage when driving in Chicago, but this can only make your chances of an accident even worse. Keep your mind focused on the road and your demeanor calm. When you see other people making unsafe driving decisions, do not engage or become enraged with them. Realize the moment has passed, and drive as safely as you normally would. Road rage can cause people to do wild things they wouldn’t normally do, like resorting to violence. Not engaging with someone who is exhibiting signs of road rage is the best way to keep yourself and passenger safe.

Don’t Follow the Leader

Keep your wits about you. If you see people taking actions on the road that you thought were illegal, chances are their actions ARE illegal and unsafe. For instance, just because other cars may be driving in the bicycle lane doesn’t mean you should risk those same actions. Try following the two-second rule, which is a rule of thumb for drivers that you should maintain a distance of at least two seconds behind the car you’re following. This will help you stay safe if other drivers around you are acting unruly.

Use Your Blinker

This sounds so simple but is a commonly forgotten practice on the streets of Chicago. Your blinker is a courteous way to inform other drivers of where you are going next. To avoid any accidents, be sure to use your blinker with adequate warning times for the cars around you to notice it.

Check Twice Before Turning on Red

A common rule at many stoplights in Chicago is no right turns on red. It is important to follow this rule not only for safety but also for your wallet. Especially if you’re from outside the city, you might just take the sign as a small warning and even ignore it—but be careful! Chicago stoplights have cameras that will take a picture of your car and will bill you a fine for your illegal actions. It is best that you keep a look out for all road signage and follow these rules appropriately.

Unfortunately, even when we try our best to drive safely, accidents still happen. If you’ve been in an accident and need to be prepared for next time, you need SR22 and/or auto insurance in Chicago. Accurate Auto Insurance in Chicago will help you find the ideal coverage that keeps you and your wallet safe! Visit our website today and get an auto insurance quote in just minutes!

Why You Might Need SR-22 Insurance

As an agency offering a SR-22 in Joliet, we want to give you some basic information on this particular state requirement.

What is a SR-22?

A SR-22, also known as a SR-22 certificate or Certificate of Financial Responsibility, IS NOT automobile insurance. Instead, it’s a certificate verifying that you’re maintaining car insurance liability coverage.

Reasons why you may be required to have a SR-22

You may be required to have a SR-22 if you’ve:

  • Been in a traffic accident or convicted of a traffic offense and could not prove financial responsibility
  • Were caught driving without automobile insurance
  • Were convicted of a DUI or DWI
  • Had too many tickets in a short period of time
  • Had your driver’s license revoked or suspended

How do you know if you must have a SR-22?

If you’re required to get a SR-22, the traffic court where you appeared or the Department of Motor Vehicles will notify you by mail.

What are the typical terms of a SR-22?

Terms and requirements vary by state, but generally, you must retain both the SR-22 and your insurance policy for approximately three years. If your insurance policy lapses, your insurer is required by law to notify the Department of Motor Vehicles office. Your license will be suspended until your insurance has been reinstated. Then once you have met your SR-22 obligations for the proscribed amount of time, your SR-22 status will be removed.

How do you get a SR-22?

If you need a SR-22, remember that you also must have car insurance. At Accurate Auto Insurance you can get a SR-22 in Joliet, as well as great rates on car insurance. We urge you to call us at 1-800-999-1034 or go here to enter your zip code to get an instant quote.

Motorcycle Awareness Month

May is National Motorcycle Awareness month, which means safe riding should be a top priority for bikers across the country. Motorcycling is undoubtedly one of the most exciting modes of transportation but it’s also by far the most dangerous. According to CNNMoney, motorcycles killed 23,000 people over a 5-year period and 217 motorcycle deaths occur every billion miles. It’s no wonder motorcycle awareness and safety has a whole month dedicated to it. Practicing motorcycle safety isn’t just for your own benefit, it’s also for the hundreds of other people out on the road at the same time you are. Here are some motorcycle safety tips for the next time you take a ride, and before you do so don’t forget to get your motorcycle insurance in Chicago.

Wear A Helmet

This should come as no surprise to anyone but you would be surprised how many motorcyclists still do not wear helmets. However, the fact remains that helmets save lives. Motorcyclists who ride without helmets are 40 percent more likely to suffer a fatal head injury and three times more likely to suffer brain injuries. A full-face helmet provides the greatest amount of protection but even the most conservative helmet is safer than nothing at all. Do yourself a favor and wear a helmet when you ride.

Wear The Right Gear

A helmet isn’t the only kind of protective gear you should be wearing. In the event of a crash your body is completely exposed to the elements, there is nothing between you and the road unless you wear it. Wear a leather jacket, gloves, pants, and over-the-ankle footwear. Try to find something with padding if you want to be extra safe. Also protect your eyes and increase your vision by wearing protective goggles. Finding gear in a bright color will also increase your visibility to other drivers, which has proven to be a problem for drivers who have hit motorcyclists.

Defensive Driving

A study by the University of South Florida’s Center for Transportation Research found that in collisions involving a car and motorcycle, car drivers were at fault 60 percent of the time. Staying alert and aware of your surroundings will help you monitor your behavior as well as that of those around you.

Get Insured

It goes without saying that having motorcycle insurance in Chicago will protect you in the event of a crash. Motorcycle insurance is not required in all states, but it is in the state of Illinois. Accurate Auto Insurance provides premier motorcycle insurance in Chicago to all our valuable customers. Protect yourself before going out on the road. Find cheap motorcycle insurance in Chicago at Accurate Auto Insurance. Get your quote today!

How To Find Good Auto Insurance In Illinois

Illinois ranked 42nd last year in a state comparison of average auto insurance rates throughout the United State. Though auto insurance in Illinois offers some of the lowest rates in the country it doesn’t mean we should stop trying to find the best deal possible. And finding the best auto insurance rates in Illinois takes a blend of art and science.

To begin with, it helps to know what auto insurers tend to base their rates on and what they offer discounts for. Driving records, demographics, average mileage, marital status, and even the car you drive affect the cost of your insurance.

The best car insurance customer is a well-informed one. Don’t take anything for granted when you look for auto insurance in Illinois.

Don’t Ignore the Little Guys

 Many customers make the mistake of ignoring smaller insurance companies in favor of the big guys. Geico, State Farm, All State and a couple others dominate the market, but smaller insurers often offer better service and rates. Look into local and regional companies when you shop around.

Do your Research

Everyone knows to get several different quotes before buying auto insurance in Illinois, but you can do even more. Ask questions about discounts. Many times, the information won’t be readily apparent but lots of life changes qualify you for reduced rates. The more facts you have, the better chance you have of getting a good deal.

Maintain a Clean Driving Record

Car insurance companies look at many things. Perhaps most important though is the driver’s record. Accidents raise rates quickly. The easiest way to get low rates is to obey the rules of the road and drive safe.

Tailor your Purchase

Everyone’s situation is different. If you don’t use your car very often, consider use-based premiums. Find rates that are discounted for upfront premium payment.

Educate yourself about auto insurance in Illinois requirements. You don’t want to scale back your coverage so you’re not still conforming to the law. But if you drive an old, beat-down car, it may not make sense to pay a higher premium for comprehensive insurance.

Call Accurate Auto Insurance

If you want to learn more about finding the best auto insurance in Illinois, visit Accurate Auto Insurance on the web. You can read more helpful articles, or simply enter your zip code and we’ll provide you with a free auto insurance quote. We’re also available by phone at 1-800-999-1034.

SR-22 Insurance in Illinois

If you’ve ever been involved in an accident, been caught with a suspended or expired license, or been convicted of any number of traffic offenses then you are probably familiar with SR-22 insurance in Illinois. Though it’s never convenient to commit a traffic violation you do have to abide by the laws in order to keep your license and stay out on the road. To do so you will need SR-22 insurance Illinois from Accurate Auto Insurance.

SR-22 is a certificate that confirms that the driver has an active car insurance policy that meets state requirements. This is a certificate that your insurer sends to the state in order to confirm that you are driving under and abiding by state transportation laws. SR-22 insurance is a supplement to, not a replacement of, regular auto insurance.

 This certification is legally required when someone is involved in a traffic violation and cannot show financial responsibility. This may occur in any number of the following circumstances: DUI, DWI, caught driving without insurance or license, at-fault accident, revoked or suspended license, or too many traffic tickets in a short amount of time.

If you are someone who needs to purchase SR-22 insurance than it is important that you work with an auto insurance agency that provides that particular certification. SR-22 insurance in Illinois requires the proper paperwork to be filed with the appropriate state’s DMV by the policyholder’s insurance company.

Accurate Auto Insurance is dedicated to making sure all of our customers are driving safely and legally, which is why we offer SR-22 insurance in Illinois. We will help you find the most affordable SR-22 policy to fit your needs and file the paperwork for you so you don’t have to worry about it! If you need affordable auto insurance and SR-22 insurance in Illinois contact Accurate Auto Insurance right away.

What To Do After You Buy A Car

Buying a first car is a huge accomplishment for many people. It takes a lot of time, research, and money to make that final purchase. However, the job is not finished once the car is purchased, there are a couple things one must do after buying the car. Registration, maintenance, insurance, and SR-22 insurance Illinois are all important parts of the car buying process.

Registration

Registration is extremely important, as you cannot drive your car on the road without getting it registered. If you purchased your car from a dealership they will often set-up a temporary registration that expires in 30 days. If you bought from a private seller you will need to visit the DMV to get your car registered before you start driving it.

Maintenance and Repairs

This step of the buying process is usually only applicable to used cars. Check out the owner’s manual to see when routine maintenance tasks are to be performed on your car. If you car is due for a tune-up, take it in. It’s also always a good idea to take your new-used car in for a general maintenance check-up before you start driving it regularly. You want to make certain that you are driving a vehicle that is safe and reliable.

Insurance

The law requires basic auto insurance so it’s very important to get insurance for your car before driving. Auto insurance covers you in event of a crash or some kind of damage to you or another person and their vehicle. If you also need SR-22 insurance Illinois make sure to get that right away. SR-22 insurance is a certification required by court that verifies you have coverage. If you have been ordered by a court to carry this certification it is very important that you do so.

Accurate Auto Insurance provides auto insurance and SR-22 insurance Illinois to our customers. We have some of the most affordable auto insurance quotes in the business. Visit our website to get your estimate today!

Source: DMV