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Established car insurance business helps people in the Chicagoland compare and find deals.
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Why Choose Urban Insurance Agency?
It's simple. We offer the lowest car insurance quotes 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 will compare rates at more than 20 different companies in order to find the exact coverage you want at the lowest price.
Unlike many insurance companies today we can offer you auto insurance without "running your credit". This can save you hundreds of dollars on your policy.
We also offer Insurance for tow trucks, messengers, long and short haul trucking.
We sell insurance in Illinois, Indiana, Michigan and Florida.
We also offer preferred rates for low risk drivers, good student discounts and renewal discounts.

Find out more about the wide range of insurance products offered by Urban Insurance Agency.
» Learn more about Urban Insurance Agency

MerchantCircle is led by an experienced team and funded by investors who share our vision and believe in the power of local businesses. Our backers include Rustic Canyon Partners, Scale Venture Partners and Disney's Steamboat Ventures, who each bring their specialized expertise to help us develop and improve your MerchantCircle experience.

© 2006 - 2008 MerchantCircle. All Rights Reserved

I have never been insured before, can I still get insurance?

Yes!
We have no problem finding quality insurance for people who have let their insurance lapse, or those who have never been insured before. Get a free quote....
» Read "I have never been insured before, can I still get insurance?"...

Storm Damage in the Midwest

or a more likely response.

Oh S#!T, There’s a Tree on my Car.

by Larry Lubell

Walking home last last night, I could see the sky was getting darker, signaling a major storm was clearly in the offing. Luckily I was barely in the house before the drops began falling.

by 10:00pm the storm's arrival was announced by both the National Weather Service Warning as well as by a sky "Lit" by lightning. The very quantity and brilliance trumpeted that this storm would leave it's calling cards long after it departed.

These Severe thunderstorms moved across the Midwest during the late night, ripping roofs from buildings, sending people to shelter and leaving thousands of homes and businesses in the dark.

These storms set off tornado warnings for downtown Chicago, resulting in Fans being evacuated from the stands at Chicago's Wrigley Field, and travelers from the upper levels of terminals and planes at O'Hare International Airport.

Walking to work the today, I noticed the number of trees that had either completely fallen, or had one or more large branches that separated from the trunk.

First, It is critical that you approach this situation with great care.
Trees or large branches are very heavy. A branch that is partly separated from the rest of the tree, are unstable, and if you are not careful you can get crushed. If the branch is on your car, keep in mind your car might be the only thing holding it up.

The tree might have a “Power line” tangled within the leaves, unlike in a “Tom and Jerry cartoon”, a shock from a downed power line can result in death or life changing injuries. There are many stories of a homeowner taking a power saw to downed tree only to accidentally cut into a live wire.
There are things that are best left to those with the expertise and equipment needed to do the job safely.
If a tree damages you auto, it is a good idea to snap a picture of the tree resting on your car. Understand that if the storm damaged your car, it is likely that insurance adjusters will be quite busy with many other claims.

Tree damage to your car is covered under the Comprehensive part of your car insurance policy.

If you have a question, please contact us at 1-800-680-0707.

Urban Insurance Agency - Car Insurance and SR-22 Filing or SR22 Filing in Chicago, Illinois

Urban Insurance Agency - Car Insurance and SR-22 Filing or SR22 Filing in Chicago, Illinois

Driving Points in Indiana

Not all tickets are equal? The amount of "Points" the Secretary of state will assign, will vary Depending on the nature and severity of the offence. The more dangerious the action the greater the number of points.

Some of the more common point values are listed below.

1 – 15 mph over the speed limit................ 2 point violation
16 – 25 mph over the speed limit............... 4 point violation
26+ mph over the speed limit................... 6 point violation
Failure to use headlights......................... 2 point violation
No brake or signal lights...................... .. 2 point violation
Disregard stop/yield sign........................ 6 point violation
Fail to yield to emergency vehicle.............. 8 point violation
Improper U-turn................................... 4 point violation
Following too closely.............................. 6 point violation
Unsafe lane movement........................... 4 point violation
Failure to yield................. ................... 6 point violation
Speed contest on road............................ 8 point violation
Improper motorcycle headgear.................. 4 point violation
Improper motorcycle passenger................. 4 point violation
Driving while suspended ......................... 8 point violation

The number of "Points on your MVR, will be an important factor in determining the cost of your car insurance. There are many compaines that will not even provide you with a Quote on Car Insurance if the point total is over 6 points. Urban Insurance is an independant agent that has contracts with more than 15 companies in order to find the lowest rates for each of our customers.
To get a Free Quote
Click Here

Why do I need SR-22?

I went to court in Hammond because I was caught driving without Proof Of Insurance. The judge told me I needed to show proof of SR22; what is an SR22.

SR-22is actually the name of the form used by insurance companies to notify the state that an insured has the required insurance coverage. As a result people will often refer this type of car insurance as SR-22, or FR Filing. The law in Indiana states the following: When a motorist's operator license is suspended upon conviction of a major offense, that driver must submit proof of insurance to the BMV before being reinstated. This filing provides that the driver has an auto liability policy in effect that cannot be canceled without prior notice. A valid SR-22 Proof of Insurance form must be filed with the BMV for three years after the end of the suspension. If the BMV receives a cancellation notice or does not have a current SR-22 form on file at any time during the three-year period after reinstatement, the motorist's driving privileges will become suspended again.
This is why it is critical that you find an insurance agency that is equipped to issue Same - Day SR22 Insurance. If you are required to file an SR22, then your insurance company must submit the correct form in order to remove a suspension order placed by the Indiana Secretary of State's office. The filing is needed to provide a certificate to the Indiana Department of Motor Vehicles that your insurance company has issued a policy of at least the required minimum liability coverage, and that your insurance company will notify the Indiana Secretary of State»s office should the insurance ever lapse for any reason.

Sr22 Insurance in Indiana

Tell me, am I required to carry auto insurance in Indiana?
The simple answer is Yes!
Driving without car insurance not only puts your assets in jeopardy, but it also illegal and can leave you subject to fines. A motorist who operates a vehicle without an automobile liability insurance policy is subject to a 90-day driver license suspension or a one-year suspension if it is a repeat violation within a three-year period. In order to obtain a reinstatement of the license, the motorist must pay a reinstatement fee of $150, $225, or $300 depending on whether it is a first, second, third or subsequent offense, and provide current proof of insurance signed by an agent or representative of the insurance company. SR22 is actually the name of the form used by insurance companies to notify the state that an insured has the required "certificate of compliance" of proper insurance coverage. When a motorist receives a "certificate of compliance notice," he (or she) must find an insurance agency that is equipped to issue the needed SR-22 insurance, and to file the certificate to the BMV within 40 days. Failure to return the "Certificate of compliance" to the Indiana Secretary of State»s office, as required will result in a license suspension
Call 1-800-680-0707 or click here to get your free car insurance quote.