Aarco American Inc Blog

Aarco American Inc Bloghttp://www.aarcoamerican.com/blog/View Aarco American Inc's Website Blogen-uspostmaster@www.aarcoamerican.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:075894c9-697e-42ef-a8b0-ed81170da586urn:uuid:e74a5ef1-29fb-4058-b579-337ea2e0795eFACTORS THAT DETERMINE YOUR AUTO INSURANCE PREMIUMThere 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 – Young...Wed, 12 Oct 2011 12:36:52 -0500There 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.    urn:uuid:f621da74-d57a-412f-9256-490e841b2e8cWorst Driving Habits While it's important to brush your teeth and comb your hair, it can be very distracting while driving. These bad driving habits can cause accidents and raise your insurance rates. Here's a list of some of the worst driving habits: Tell us what you...Tue, 14 Jun 2011 13:56:36 -0500<h2 style="background: white;"></h2> <h2 style="background: white;">While it's important to brush your teeth and comb your hair, it can be very distracting while driving. These bad driving habits can cause accidents and raise your insurance rates. Here's a list of some of the worst driving habits: Tell us what you think.  </h2> Drinking and driving Not wearing seat belt Texting or talking on cell phone Speeding Turning around to talk to passengers or yell at kids or reaching for things in the backseat Tailgating Eating, particularly hot drinks and messy foods like tacos Reading, lots of people try to read directions while driving Excessive lane changing Road Rage Putting on makeup,  or even trying to change clothes Not using turn signals or putting it on too late Crossing three lanes of traffic Going too slow in the “fast” lane - Crawling Not paying attention to traffic or pedestrians Ignoring traffic signs and signals Not putting on headlights Passing from the turning lane or shoulder Sightseeing or gaping Double parking Always make sure that your auto insurance is up to date and that your ID card is in your glove compartment.  Many people carry their insurance card in their wallet, but when a spouse or a friend borrows your car, they have no proof of insurance.  Remember, we specialize in Auto & SR22 Insurance in Illinois and do the shopping for you, to get you the lowest price available.urn:uuid:52dc9c29-7245-4f21-b2e5-6edecb1c8f19Summer is Here !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 i...Thu, 12 May 2011 15:32:21 -0500As 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.urn:uuid:16c96d85-e18e-492e-ae66-2788861abdceWhy should I choose Aarco American as my agent?People ask:  Why should I choose Aarco American as my agent over companies like Allstate or Progressive?    Answer:  When you call Allstate, they can sell you only Allstate policies.  Aarco American as an independent in...Fri, 18 Feb 2011 17:07:08 -0600People ask:  Why should I choose Aarco American as my agent over companies like Allstate or Progressive?    Answer:  When you call Allstate, they can sell you only Allstate policies.  Aarco American as an independent insurance agent can quote you with many different companies, making sure we get you the best price available.   Both Allstate and Progressive advertise that they give special discounts, but almost every insurance company that we represent gives the same discounts, and maybe even more.  Our companies offer Transfer discounts, Renewal discounts, Multi-car discounts, Good driver discounts (even if you’ve had a minor violation), Alarm discounts, Full coverage discounts, and even some discounts on certain vehicles.    We have low down payments and easy monthly installments on all our policies.  We have been specializing in auto insurance and SR22 insurance in Illinois for over 50 years.  Call us to get a price on your auto insurance or do it yourself, right here on our website.      urn:uuid:1c96c11f-90aa-4acb-a3a4-89b8cc6c4ca1Is Anyone Covered to Drive My Car?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 com...Tue, 25 Jan 2011 15:17:18 -0600A 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.  urn:uuid:0db67790-dd1f-4440-985d-2e02a5e08a08The 10 best states and the 10 worst states for driversOne of our insurance companies, Unique Insurance Company, sent us a copy of a Forbes report listing the 10 best states and the 10 worst states for drivers.  We thought our readers would find the results interesting.    The 10 best and ...Thu, 23 Dec 2010 13:46:33 -0600One of our insurance companies, Unique Insurance Company, sent us a copy of a Forbes report listing the 10 best states and the 10 worst states for drivers.  We thought our readers would find the results interesting.    The 10 best and 10 worst states for drivers, according to Forbes Using recently published studies on infrastructure/safety, legal rights, gas prices and insurance rates, Forbes determined the 10 best states for motorists, which makes for pleasant reading. Using the same studies, Forbes also published the painful reading for the 10 worst states. The 10 Best No. 1 South Carolina Motorists in South Carolina enjoy the nation’s lowest gas prices and an excellent track record on infrastructure/ safety. The Palmetto State ranks much better than the others in low insurance rates and motorist legal protections too. No. 2 Nebraska With high rankings for infrastructure/safety and motorist legal rights, the Cornhusker State fares better than its Midwest neighbors. One downside is higher than average gas prices. No. 3 Missouri The Show Me State really does. Missouri scores above-average ratings in all four categories, including the third-lowest average gas prices. No. 4 North Dakota Maybe it’s due to low population and its reputation as the state least visited by tourists, but North Dakota grabs the top ranking in infrastructure/safety. The Peace Garden State gets marked down only for higher-than-average gas prices. No. 5 Mississippi The state’s lingering reputation as a haven for sketchy plaintiff lawyers might be a reason for its higher-than-average insurance rates. But the Magnolia State fares well in other categories, including the eighth-lowest gas prices. No. 6 Texas The nation’s fourth-lowest gas prices---all those oil wells, all those refineries--helps make the Lone Star State a Mecca for motorists. The only offsetting note is higher than average insurance rates. No. 7 Kansas Except for high insurance rates, the Sunflower State fares well in all the categories. This includes a No. 3 showing for infrastructure/ safety. No. 8 (tie) New Hampshire The Granite State has the nation’s fifth-lowest insurance rates. This augments average and above-average showings in the other three categories. No. 8 (tie) Wyoming With “Equal Rights” as Wyoming’s official motto, it’s not surprising the state ranks No. 1 in legal protections for motorists. It earns seventh place for infrastructure/safety and ties overall with New Hampshire. No. 10 Tennessee and Arizona The two states tied for 10th place on this list feature the same strengths: Lower than average gas prices and insurance rates. The Volunteer State is light on legal protections for motorists while the Grand Canyon State is just average for that and infrastructure/safety. The 10 Worst No. 1 California Despite its reputation as a car-culture haven, the Golden State is by far the worst of the 50, with low rankings in each of the four categories. From highway congestion and poor legal protections to the high cost of gasoline and insurance, the nation’s most populous state has it all. No. 2 Illinois The Land of Lincoln is also a Disaster for Drivers, garnering low marks, like California’s, in all four categories. The lowest grade is in legal rights for motorists. No. 3 New York The Empire State fares a lot better than California and Illinois in insurance rates, which were pretty close to the national average. But that is more than canceled out by rock-bottom expenditures on road maintenance and sketchy legal motorist protections. No. 4 Michigan Ironically the center of America’s remaining auto manufacturing is none too friendly to end-use customers. The Wolverine State really chews up motorists on insurance, with the country’s second-highest average rates. No. 5 Alaska Despite all that oil production, Alaska has the nation’s second highest gas prices, as well as the next-to-worst rating for infrastructure/safety. But the self-styled Last Frontier does rank in the top one-third in legal protections for drivers. No. 6 Maryland In the Chesapeake State gas prices are below the national average. But that’s canceled out by the third-worst ranking for driver legal protections, and the eighth-worst for infrastructure/safety. No. 7 (tie) Connecticut Tiny Connecticut ranks in the bottom fifth on three of the four criteria: infrastructure/safety, gas prices and insurance rates. But as befitting the self-anointed Constitution State, Connecticut affords above-average legal protections to drivers. No. 7 (tie) Rhode Island Even smaller Rhode Island is tied with Connecticut for motorist misery, giving lie to the state’s official motto, “Hope.” The Ocean State gets the absolute bottom spot for infrastructure/safety and is ranked below average in each of the other categories. No. 9 Louisiana The flooding and oil spill are bad enough, but Louisiana doesn’t treat motorists too well, either. The Pelican State has the nation’s highest insurance rates and fourth-worst legal environment for drivers. One bright spot: the sixth-lowest gas prices. No. 10 Washington High gas prices and low legal protections ensure a spot for the Evergreen State. Below-average insurance rates aren’t low enough to make up for the state’s other problems.urn:uuid:dd515bcd-28bb-461b-ab3d-0196606fe4d0Happy Holidays 2010We would like to wish all of our friends and family a safe and happy holiday season.   As the holidays approach we would like to remind everyone that the police throughout Illinois will be cracking down on drunk driving, watching for seat belts...Wed, 08 Dec 2010 12:09:19 -0600We would like to wish all of our friends and family a safe and happy holiday season.   As the holidays approach we would like to remind everyone that the police throughout Illinois will be cracking down on drunk driving, watching for seat belts, and checking that everyone has proof of auto insurance.   The fines and penalties for driving without insurance are severe.  You can be a legal and responsible driver without having to break the bank.  Remember, Aarco American is your auto insurance specialist.  We do the shopping for you, and we have low down payments and monthly payments available.   Whatever driving plans you have for this holiday season, make sure you are safe and legal.  urn:uuid:8b9a4e13-e1b1-4c48-aaf9-c45f8a072a87What is SR22 insurance?Q:  A lot of people ask us:  What is SR22 insurance? A:  Since auto insurance is mandatory in Illinois, someone who is caught driving without insurance, or someone convicted of a DUI, will probably be required by the State to purchase...Thu, 28 Oct 2010 14:08:51 -0500Q:  A lot of people ask us:  What is SR22 insurance? A:  Since auto insurance is mandatory in Illinois, someone who is caught driving without insurance, or someone convicted of a DUI, will probably be required by the State to purchase SR22 insurance.  Basically, you will need to purchase an auto liability insurance policy with an SR22 filing.  This simply means that the State will be notified that you have insurance.  If your policy should be cancelled for any reason, the State is also notified.  It is more common than most people think.  Not only can you be caught by getting stopped by the police, but the State also sends out random requests for proof of insurance on a specific date.  If you didn’t have insurance, you’ll probably need to get SR22 insurance.  It is also not as expensive as most people think.  You are really not charged anything extra for needing the SR22 insurance.  You are simply charged for the reason you need it,  such as an accident without insurance.  Your policy premium would reflect the fact that you had an accident, but you would not be charged extra for needing the SR22. Call Aarco American to get your FREE quotation for your SR22 insurance.  We provide low cost auto and SR22 insurance to Illinois residents.  We have been serving the Chicago area for over 50 years, and pride ourselves on our price, service and quality.