One of the most common question I get when insuring cars is, ” What is my car worth? ” This is a very valid question because you do not want to pay for full coverage on your car if it has little to no value.

Below is a calculator that can quickly help you find that value.

If you want another method to determine your car’s value, please visit www.nada.com or  www.kbb.com

Trying to Save? Avoid These Insurance Mistakes
With nearly one in 10 Americans out of work, and others forced to make ends meet with less money, many people are looking for ways to cut costs.

You should submit an Illinois Crash Report to the Illinois Department of Transportation Accident Report Office, 3215 Executive Park Drive, Springfield, Illinois 62766, 217-782-4516. In the report you should indicate that the party was uninsured and request that the case be certified to the Secretary of State for suspension under the Safety and Financial Responsibility Law.

I am not a proponent of slashing insurance expenses across the board without understand the long term ramifications. It definitely can be expensive to be cheap. But, with a little knowledge, you can put real money in your pocket in one short afternoon. How can you do you save some money? By reading the following tips: RAISE YOUR DEDUCTIBLES. Many people have the frame of mind that, in the event of a loss, they want to pay a little as possible. While this does make sense, looking long term, the average person files a claim once every 13 years. If you raise your deductibles up from $500 to $1,000 or more, you can easily save 10–15% off your annual premium. If you are paying $800 per year, this easily translates into $80 – $120 per year. Multiply that by 13 years and ($1040 – $1,560) you have saved REAL money. USE A MULTI-POLICY DISCOUNT. If you trust your insurance agent who handles your home insurance, ask them to also provide your auto insurance. Yes, you may have a great rate wit ...

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What is a personal umbrella liability policy?
The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability policies — home, auto, boat, RV, etc. — so you have a higher personal liability limit than what would otherwise be available. In certain circumstances, an umbrella policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella policy provides coverage anywhere in the world, whereas your auto policy usually provides coverage in the US and Canada only.