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Tuesday, April 24, 2007
Saturday, April 14, 2007
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We Proudly Offer:
Same day SR22 Filing
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Low Down Payments
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Urban Insurance Agency has been helping people save on their car insurance for more than 45 years. We offer the lowest prices in Chicago on SR-22 filings, SR22 car insurance, non owners, liability insurance and electronic filings. We can help drivers in Chicago, Illinois get the lowest quotes even if they have a DUI, suspended license or pending suspension.We sell insurance in Illinois, Indiana, Michigan and Florida. Our rates for auto insurance are often lower than Progressive,, InsureOne, esurance.com,and Alstate.. We also offer preferred rates for low risk drivers and renewal discounts.
We represent sixteen different companies; In order to find you the Lowest price.
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Thursday, April 12, 2007
Kurt Vonnegut Dead at Age 84
Technorati Profile
His wife, Jill Krementz confirmed that Mr. Vonnegut died as the result of irreversible brain injuries stemming from a fall several weeks ago.
Born in Germany, Kurt Vonnegut lived through the firebombing of Dresden, Germany by the Allied forces in 1945 while he was a young prisoner of war. Many of his writings address or were clearly shaped by those events.
Vonnegut wrote, “The firebombing of Dresden, was a work of art”. “a tower of smoke and flame to commemorate the rage and heartbreak of so many who had had their lives warped or ruined by the indescribable greed and vanity and cruelty of Germany.”
As an avid reader of Vonnegut’s work, I understand him to be a man of empathy and compassion, that despised Hitler and all that the Nazi’s represented. However at the same time he watched in horror as Thousands of his neighbors were killed in the raids, many of them burned to death.
He came to understand and write about how in war it is the Innocents that pay the price for the greed and obsessions of the leaders. A lesson as relevant today in Iraq and Iran as was in the 40's in Germany.
Good by Mr. Vonnegut, You will be missed.
So it goes.
His wife, Jill Krementz confirmed that Mr. Vonnegut died as the result of irreversible brain injuries stemming from a fall several weeks ago.
Born in Germany, Kurt Vonnegut lived through the firebombing of Dresden, Germany by the Allied forces in 1945 while he was a young prisoner of war. Many of his writings address or were clearly shaped by those events.
Vonnegut wrote, “The firebombing of Dresden, was a work of art”. “a tower of smoke and flame to commemorate the rage and heartbreak of so many who had had their lives warped or ruined by the indescribable greed and vanity and cruelty of Germany.”
As an avid reader of Vonnegut’s work, I understand him to be a man of empathy and compassion, that despised Hitler and all that the Nazi’s represented. However at the same time he watched in horror as Thousands of his neighbors were killed in the raids, many of them burned to death.
He came to understand and write about how in war it is the Innocents that pay the price for the greed and obsessions of the leaders. A lesson as relevant today in Iraq and Iran as was in the 40's in Germany.
Good by Mr. Vonnegut, You will be missed.
So it goes.
Wednesday, April 11, 2007
What is an SR22 Filing?
Thursday, March 1st, 2007
By Larry Lubell
SR22 is actually the name of the form used by insurance companies to notify the state that an insured has the required liability insurance coverage. An SR22 Filing is needed to removes a suspension order placed by the Illinois Secretary of State’s office on your driving privilege.
Why won’t any liability policy work?
While it is true that an sr22 is a basic liability policy, the filing mandates that the insurance company will notify the Illinois Secretary of State by issuing a 30-day notice should the insurance ever lapse for any reason. It is the fact that the insurance company is legally bound to provides this notice a to the Illinois Department of Motor Vehicles that sets in SR22 policy apart.
How do I know if I Need an “SR-22”
The most common way , would be by receiving a notice from the secretary of states office . They will send a letter demanding sr22 to the same address that is printed on your drivers license. The letter will state the reason that the SR-22 form is required and how long you must carry the filing. It is also likely that a judge will notifiy you at the time of your hearing.
How do I know when I no longer need sr22?
You will be sent a letter from the DMV (Department of motor Vehicles) stateing that you have completed your obligation. It is a great idea to keep a copy of that letter, believe or not, the “State” is not incapable of errors. We have had clients who had completed their required SR22, that months later were pulled over by an offcer only to find that the “State” still showed their license suspended. Yes, we have seen people spend the night in jail because of a mess up in Springfield. Keep copies of what the DMV sends you, and make sure your insurance agent also gets a copy.
If I get an sr22 insurance policy, can I start with a down payment or do I need to pay the whole year at once?
At Urban Auto Insurance Agency, you never need to pay for the policy all at once. We can start your coverage with just a small downpayment and then you can make monthly payments. Because U.I.P.P.(U.I. Payment Plan) is a division of Urban Auto Insurance Agency, we have the flexablity to offer you much lower down payments and easier monthly payments.
Do insurance companies charge more money because I need an SR22?
None of the companies we use Charge more for providing an sr22. the cost of the policy is the same as providing you with a base liablity policy. An insurance company can, and often will, charge a surcharge based on your MVR, but we will not charge your more for the SR22 form.
Do you offer SR-22s to someone that does not own a car?
Yes. Fill out the request a quote form and we will provide you with a quote to get your insurance started.
Click to Get a free quote. Or Call Urban at (800)680-0707
And you thought your homeowners insurance was expensive!
Thursday, March 15th, 2007
No one likes to over pay for anything, especially not for insurance.While the cost of Auto insurance and Life insurance have fallen in resent years, for most of us the cost of our homeowners Insurance has risen steadily. This is particularly true in the Gulf States. Many insurance companies saw five years worth of profit wiped out in one hurricane season. These losses occurred even after companies had dramatically increased their deductibles and placed restrictions and limitations. In addition to some large losses, scientists are warning that the United States might be in a 20-year cycle of greater storm activity coupled with the global warming. The actuaries at the carriers are looking at warmer seas, higher sea levels combining with new construction being built at a dizzying pace and in ever more dangerous locations. All of this while natural reserves and buffers are being lost, and more and more land is being paved reducing the areas ability to handle flooding. The average cost to insure a U.S. home in 2004 was $729, according to the most recent National Association of Insurance Commissioners (NAIC) data. The cheapest state was Idaho, where the average home insurance premium was $448. In Texas, the most expensive state, it was $1,362, or 2.5% of the average Texans’ household income.
“Every disaster known to man can happen in Texas, even earthquakes,” says Jim Hurley, a spokesman for the Texas Insurance Department, a state organization for insurance agents and consumers. “We’d love to be lower on the list, but our geography and weather patterns won’t allow it.” Any real-estate agent will tell you the three greatest factors that effect the price of property are, location, location and location; that pretty much holds true for property insurance. Below are the 5 Highest States for Homeowners Insurance.
1: TexasAverage Annual Premium: $1,362
“Every disaster known to man can happen in Texas, even earthquakes,” says Jim Hurley, a spokesman for the Texas Insurance Department, a state organization for insurance agents and consumers. “We’d love to be lower on the list, but our geography and weather patterns won’t allow it.” Any real-estate agent will tell you the three greatest factors that effect the price of property are, location, location and location; that pretty much holds true for property insurance. Below are the 5 Highest States for Homeowners Insurance.
1: TexasAverage Annual Premium: $1,362
2: LouisianaAverage Annual Premium: $1,074
3: OklahomaAverage Annual Premium: $991
4: FloridaAverage Annual Premium: $929
5: MississippiAverage Annual Premium: $907
Urban Insurance Agency again proves to have the lowest rates.
Thursday, March 15th, 2007
We at Urban, understand how hard you work for your money; that is why we search more than 15 different companies in order to find you the lowest rates. Our rates can save you hundreds of dollars per year on your car insurance. We average savings of over 45% over Geico.
In a resent article, titled *Insurance.com’s 2006 Auto Insurance Pricing Report. They state that the average price their customers paid for insurance in the state of Illinois in 2006 was $1,496. This “Average” was based on best price offered by any of the following companies ,Travelers, Liberty Mutual, Hartford, MetLife, Safeco, Geico and Progressive. Urban Insurance Agency’s average yearly price in Illinois for 2006 was just $806.
That is an amazing average savings of over 44% The more you compare auto insurance rates, the more you will love the rates offered at Urban Insurance Agency. That is why when we ask, “Do you think you’re paying too much for car insurance? ” We know the answer is YES, unless you are insured with Urban Insurance.
*Insurance.com’s 2006 Auto Insurance Pricing Report highlights the lowest average auto insurance rates viewed by over 1.1 million car insurance consumers on the Insurance.com platform in 2006*. The information comes from actual auto insurance quotes consumers received from over a dozen of the nation’s leading auto insurance companies who participate on Insurance.com’s comparative auto insurance platform.
Posted in Uncategorized, Insurance Information Page
We at Urban, understand how hard you work for your money; that is why we search more than 15 different companies in order to find you the lowest rates. Our rates can save you hundreds of dollars per year on your car insurance. We average savings of over 45% over Geico.
In a resent article, titled *Insurance.com’s 2006 Auto Insurance Pricing Report. They state that the average price their customers paid for insurance in the state of Illinois in 2006 was $1,496. This “Average” was based on best price offered by any of the following companies ,Travelers, Liberty Mutual, Hartford, MetLife, Safeco, Geico and Progressive. Urban Insurance Agency’s average yearly price in Illinois for 2006 was just $806.
That is an amazing average savings of over 44% The more you compare auto insurance rates, the more you will love the rates offered at Urban Insurance Agency. That is why when we ask, “Do you think you’re paying too much for car insurance? ” We know the answer is YES, unless you are insured with Urban Insurance.
*Insurance.com’s 2006 Auto Insurance Pricing Report highlights the lowest average auto insurance rates viewed by over 1.1 million car insurance consumers on the Insurance.com platform in 2006*. The information comes from actual auto insurance quotes consumers received from over a dozen of the nation’s leading auto insurance companies who participate on Insurance.com’s comparative auto insurance platform.
Posted in Uncategorized, Insurance Information Page
Can I buy Multiple policies?
Saturday, March 17th, 2007
From: jblyn…@att.net
Date: Mon, 12 Mar 2007 17:37:03 -0700
Local: Mon, Mar 12 2007 7:37 pm
Subject: What if I buy multiple cars/multiple driver policies from two companies?
Reply Forward Print Individual message Show original
It is time to add my 16 year-old son to our auto insurance policy.Our current insurance provider quoted us $3,050/yr on top of the$2,200 we pay for our 3 cars/2 driver scenario. Our $5,250/yr policywould look like this:Car 1: Honda Civic, primary driver = male over 25, 15K mi/yrCar 2: BMW 318, primary driver = female over 25, 15K mi/yrCar 3: Chevy Impala, primary driver = male under 25, 5K mi/yrCar 4: Chevy Suburban, recreational only, 5K mi/yrIn our research we have discovered that having a 2-car/3-driver policywhere the boy is a part-time driver saves a ton of money. My questionis this, if we were to buy 2-car/3-driver policies from two differentinsurance providers, would we be opening ourselves up for issues whenit comes time to file a claim on one of the cars?It would be like this:
>From GEICO we would buy a policy:
Car 1: BMW 318, primary driver = female over 25, 15K mi/yrCar 2: Chevy Impala, primary driver = male under 25, 5K mi/yr16 year-old son is part time driver on either car
>From AmFam we would buy a policy:
Car 1: Honda Civic, primary driver = male over 25, 15K mi/yrCar 2: Chevy Suburban, primary driver = female over 25, 5K mi/yr16 year-old son is part time driver on either carCould I get away with this? I know I would save $$ on premiums. Whatdo you think?–JB
From: jblyn…@att.net
Date: Mon, 12 Mar 2007 17:37:03 -0700
Local: Mon, Mar 12 2007 7:37 pm
Subject: What if I buy multiple cars/multiple driver policies from two companies?
Reply Forward Print Individual message Show original
It is time to add my 16 year-old son to our auto insurance policy.Our current insurance provider quoted us $3,050/yr on top of the$2,200 we pay for our 3 cars/2 driver scenario. Our $5,250/yr policywould look like this:Car 1: Honda Civic, primary driver = male over 25, 15K mi/yrCar 2: BMW 318, primary driver = female over 25, 15K mi/yrCar 3: Chevy Impala, primary driver = male under 25, 5K mi/yrCar 4: Chevy Suburban, recreational only, 5K mi/yrIn our research we have discovered that having a 2-car/3-driver policywhere the boy is a part-time driver saves a ton of money. My questionis this, if we were to buy 2-car/3-driver policies from two differentinsurance providers, would we be opening ourselves up for issues whenit comes time to file a claim on one of the cars?It would be like this:
>From GEICO we would buy a policy:
Car 1: BMW 318, primary driver = female over 25, 15K mi/yrCar 2: Chevy Impala, primary driver = male under 25, 5K mi/yr16 year-old son is part time driver on either car
>From AmFam we would buy a policy:
Car 1: Honda Civic, primary driver = male over 25, 15K mi/yrCar 2: Chevy Suburban, primary driver = female over 25, 5K mi/yr16 year-old son is part time driver on either carCould I get away with this? I know I would save $$ on premiums. Whatdo you think?–JB
How Much Car Insurance Do I Really Need?
By Larry Lubell
Think you’re paying too much for car insurance?
Today we are all looking for ways to save money, but driving with out auto insurance is irresponsible, as well as illegal in most states. Today, even small accidents can result in thousands of dollars in damages.
Due to the high price of vehicles, ever-increasing medical costs, and new bankruptcy laws which make it even more difficult to eliminate your debits; it is financial suicide to drive with out insurance.
When looking for car insurance, no one wants to pay more than they have to in order to get the needed coverage. The question is How Much Car Insurance Do I Really Need?
Below are some suggestions to help you lower your insurance costs.
First you have to understand the basics of Car Insurance.
If you have a new car and or a car that is being financed, you are going to need to get COMPREHENSIVE COVERAGE & COLLISION, that’s the Portion of an auto insurance policy that covers damage to the policyholder’s car whether from a collision with another car, or damage from fire, explosions, earthquakes, floods, and riots), and theft. This will need to be purchased along with Liability Insurance. Because your insurance company might be obligated to replace or repair your car in the event of a loss, the year, make and model of the car will have a major impact on the cost of the Car Insurance. Clearly, an insurance company would rather layout the money to replace a seven-year-old Dodge Neon, then a new $450,000 Porsche Carrera GT.
If you have an older car or a car that is not being financed, you can select to purchase just Liability Only.
LIABILITY INSURANCE covers what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person, to specified limits. A liability only policy will cost less than buying full coverage.
When one purchases Liability Insurance you have the option to select different Limits. It is important to understand that the LIMITS OF LIABILITY state the Maximum amount of money that the insurance company will pay for a covered loss. For auto insurance In Illinois the requirements are $20,000 per person Bodily injury /$40,000 Total per accident bodily injury /$15,000 Property damage. In Indiana they are $25,000 per person Bodily injury /$50,000 Total per accident bodily injury /$10,000 Property damage.
It is important to understand that a person can always sue you for more money than is covered under your insurance policy- it for that reason that I suggest carefully evaluating your financial exposure. If you have little or no assets, and you have an accident for which you were covered, it is unlikely that the judge will award damages in excess of your coverage. If however you manage a Hedge Fund, and own a three million dollar home, and large sums of liquid assets, it would be financially irresponsible to be driving around with State minimums.
So the question is How Much Car Insurance Do I Really Need is dependant on your own personal finances. Please feel free to call Urban Insurance at 800-680-0707 to speak to an agent.
Think you’re paying too much for car insurance?
Today we are all looking for ways to save money, but driving with out auto insurance is irresponsible, as well as illegal in most states. Today, even small accidents can result in thousands of dollars in damages.
Due to the high price of vehicles, ever-increasing medical costs, and new bankruptcy laws which make it even more difficult to eliminate your debits; it is financial suicide to drive with out insurance.
When looking for car insurance, no one wants to pay more than they have to in order to get the needed coverage. The question is How Much Car Insurance Do I Really Need?
Below are some suggestions to help you lower your insurance costs.
First you have to understand the basics of Car Insurance.
If you have a new car and or a car that is being financed, you are going to need to get COMPREHENSIVE COVERAGE & COLLISION, that’s the Portion of an auto insurance policy that covers damage to the policyholder’s car whether from a collision with another car, or damage from fire, explosions, earthquakes, floods, and riots), and theft. This will need to be purchased along with Liability Insurance. Because your insurance company might be obligated to replace or repair your car in the event of a loss, the year, make and model of the car will have a major impact on the cost of the Car Insurance. Clearly, an insurance company would rather layout the money to replace a seven-year-old Dodge Neon, then a new $450,000 Porsche Carrera GT.
If you have an older car or a car that is not being financed, you can select to purchase just Liability Only.
LIABILITY INSURANCE covers what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person, to specified limits. A liability only policy will cost less than buying full coverage.
When one purchases Liability Insurance you have the option to select different Limits. It is important to understand that the LIMITS OF LIABILITY state the Maximum amount of money that the insurance company will pay for a covered loss. For auto insurance In Illinois the requirements are $20,000 per person Bodily injury /$40,000 Total per accident bodily injury /$15,000 Property damage. In Indiana they are $25,000 per person Bodily injury /$50,000 Total per accident bodily injury /$10,000 Property damage.
It is important to understand that a person can always sue you for more money than is covered under your insurance policy- it for that reason that I suggest carefully evaluating your financial exposure. If you have little or no assets, and you have an accident for which you were covered, it is unlikely that the judge will award damages in excess of your coverage. If however you manage a Hedge Fund, and own a three million dollar home, and large sums of liquid assets, it would be financially irresponsible to be driving around with State minimums.
So the question is How Much Car Insurance Do I Really Need is dependant on your own personal finances. Please feel free to call Urban Insurance at 800-680-0707 to speak to an agent.
Sunday, April 1, 2007
Electronic SR22 Filing program
Wednesday, March 7th, 2007
By Larry Lubell
SR 22 and SR26Urban Insurance Agency represents several Auto Insurers that provide Electronic SR22 filing of Financial Responsibility forms with the State of Illinois. By using the Electronic SR22 filing program, the filing is entered directly into the state database, eliminating the traditional delays involved with the manual entering of the filing. This is a service we can provide on behalf of our policyholders.The following states are using the electronic SR22 SR26 data exchange application:Colorado, Idaho, Illinois, Missouri, Nebraska, Washington, Wisconsin, WyomingElectronic SR22 filings bring many advantages including: * An end to waiting in line at over crowded DMV offices.* No more waiting for your SR-22 to be manually processed at the Secretary of State’s office.* An end to the 15 day advanced notice you must give to the State when renewing your insurance.* Real-time confirmation that the filing has be accepted.
Call us today at (800) 680-0707
or Fill out the request form for and we will provide you with a quote to get your insurance started. Get a free quote..
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