There are many factors that determine how much you pay on your auto insurance.  Some things you can control and some you cannot. 

Gender – Generally the premium for males is higher than females. 

Age – Younger drivers, especially teenagers, will usually pay higher premiums. 

 Location – Every city is rated differently.  Living in the suburbs is generally cheaper than living in the city.

Vehicle – Sports cars cost a lot more to insure than family cars.

Driving history – The more accidents, tickets or suspensions you have, the higher your premium. 

Insurance Company – All insurance companies charge different premiums. 

While you may not be able to control your age or gender, you can control the type of car you buy and your driving history.  You should also choose an independent insurance agent to work on your behalf. 

Remember, Aarco American specializes in auto & SR22 insurance.  We shop many different insurance companies to get you the lowest price on your auto insurance.  Low down payments and easy monthly payments are always available.  We can also provide immediate coverage and proof of insurance.

As you head out on the roads this summer, here are a few tips to help keep you safe.

 Don’t drink and drive.

Please watch for motorcycles that may be hidden in your blindspot.  Check your mirrors and over your shoulder. 

Click it or Ticket – Wear your seatbelts.  It’s the law, but also reduces vehicle related injuries.

Make sure your have your insurance ID card in the car.  Check before your next trip, to make sure your card is handy and that your insurance hasn’t expired. 

Remember, speeding and tailgating can lead to accidents. 

Summer brings increased traffic to our streets and highways.  During the summer months, tourists and vacationers add to our usual amount of traffic, and the weekends are busier than usual with people travelling to the beaches and attractions.  It can get hectic out there!  Safe driving practices are the best way to deal with the pressure of the increased traffic. 

 If you get tired while driving, stop and treat yourself to coffee or ice cream.  You’ll feel better and be more alert.

 Remember, Aarco American is here to serve you.  Call us to get a quote on your Auto or SR22 insurance.

A lot of our clients ask:  As long as I have insurance, isn’t anyone covered to drive my car?

The answer:  Unfortunately, NO.

All insurance policies have requirements, limitations and exclusions.  Most insurance companies want to know about everyone living in your household and anyone who drives your car on a regular basis.  Not disclosing this information could actually jeopardize your coverage.

Always notify us of all residents of your household.  It is very easy to see if it would cost any more to have them listed as drivers on your policy.  Also, you should notify us if someone outside your household drives on a regular basis.  All companies and policies are different, but if someone drives your car 3 or more times a year, they may be considered a regular driver, so always be on the safe side and check with us.  Remember, Aarco American is your agent, and we are here to work on your behalf.  We are here to do the shopping for you, and make sure you always have the best price available.

You work hard for your money, and we want to make sure your insurance policy is there for you when you need it.  You shouldn’t wait for your renewal, but when it’s time to renew your policy, take the time to make sure everything on your policy or new application is correct. 

Aarco American specializes in low cost auto insurance and SR22 insurance in Illinois.