Chicago's infrastructure in need of repair

Students Protest University of Chicago Budget Cuts, elderly citizens protest Governor Rauner's proposed budget cuts, the city's finances are a mess; so no one should be surprised that much of Chicago's infrastructure is at the breaking point. This is not just a "Chicago problem," but the State of Illinois and for that matter, most of the country is filled with roads and bridges, water lines and sewers in desperate need of repair. 


These projects could put large numbers of people back to work, but have large price tags and a variety of needs are chasing the same few funds. I understand this, yet was still struck by the decay of a bridge just a few blocks from my home. An edifice so far beyond patch and paint that it clearly posed a danger. A structure that had crossed the line and now only be completely rebuilt.

Allowing the city to crumble ends up costing more in the long-run as well as puts great strain of vehicles, lengthens our commutes, and  can make businesses less competitive.

Larry Lubell

City of Chicago, Awards Urban Insurance Agency,LLC

There are many insurance agencies in the Chicagoland area, the overwhelming portion of them serve their customers in a fair and competent fashion. Urban Insurance Agency,LLC is happy to be recognized by Cityof.com/Chicago  as a company that meets their highest standards of excellence and Integrity for the selling of Auto Insurance in Chicago.

Urban Insurance has been serving Chicago for more than 54 years, despite our growth, we have never lost sight of our promise to provide personal service. It is a source of great pride that, after more than five decades in business, we now are providing  Auto Insurance to the children, and even grand children, of some of our first auto insurance customers. 

Urban Insurance Agency has a BBB Rating of A+

Using our Comparative Rater, you can Quote, Buy, and then Print your Policy,
 or you are welcome to contact us by phone at 800-680-0707.

Uber Insurance

Allstate, State Farm, Progressive, and Geico agree, their policies do not cover Uber drivers or ridesharing activities of any kind. As Urban Insurance has written in prior posts, “Private passenger policies” do not provide coverage for vehicles used commercially, and make no mistake- Driving passengers for money is clearly commercial use. Yes this includes the times a driver is logged in to an Uber app but has yet to be matched with a fare. Uber insurance requirements are not always clear, and can very by state law. Not only have Progressive Geico and others refused to pay for claims, they have begun canceling policies of customers caught driving for any rideshare services.

Uber’s insurance coverage for ridesharing in the U.S. includes as of July 14, 2014:

$1 million of liability coverage per incident. Uber holds a commercial insurance policy with $1 million of coverage per incident. Drivers’ liability to third parties is covered from the moment a driver accepts a trip to its conclusion. This policy is expressly primary to any personal auto coverage (However it will not take precedence over any commercial auto insurance for the vehicle). We have provided a $1 million liability policy since commencing ridesharing in early 2013.

$1 million of uninsured/underinsured motorist bodily injury coverage per incident. In December 2013, we also added uninsured/underinsured motorist coverage. In the event that another motorist causes an accident with an uberX vehicle and doesn’t carry adequate insurance, this policy covers bodily injury to all occupants of the rideshare vehicle. This is important to ensure protection in a hit and run.

Contingent comprehensive and collision insurance. If a ridesharing driver holds personal comprehensive and collision insurance this policy covers physical damage to that vehicle that occurs during a trip up to the actual cash value of the vehicle, for any reason, with a $1,000 deductible.

No fault coverage (e.g., Personal Injury Protection) is provided in certain states at similar levels as limos or taxis in those cities.

$50,000/$100,000/$25,000 of contingent coverage between trips.** During the time that a ridesharing partner is available but between trips, most personal auto insurance will provide coverage. However the driver is also backed by an additional policy that covers driver liability for bodily injury up to $50,000/individual/accident with a total of $100,000/accident and up to $25,000 for property damage. This policy is contingent to a driver’s personal insurance policy, meaning it will only pay if the personal auto insurance completely declines or pays zero. This policy meets or exceeds the requirements for 3rd party liability insurance in every state in the U.S.

Remember, the rules are different for each program Uber operates.

As always, all UberBLACK, UberSUV, or UberTAXI rides are provided by commercially licensed and insured partners and drivers. Those transportation providers are covered by commercial insurance policies, in accordance with local and state requirements.

Larry Lubell    

Urban Insurance Agency, LLC  800 North Wells Chicago, Il. 60610  / 312-664-8088 

When looking for commercial insurance in Chicago and throughout Illinois, Urban will work with you to assess the risks facing your business, and we work hard to make the process simple for you. You can trust Urban Insurance to help you with all of your commercial truck insurance needs. We have a A+ rating at the Better Business Bureau and we will search on one, but a variety of companies to find you the lowest rates for the coverage you need.

Chicago Car Insurance Rates

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We will compare rates for more than 20 different companies
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SR22 Filings at the Lowest Rates in Chicago!
Poor Credit or No Credit is Never a Problem!

Auto insurance is there to protect your and your family from financial losses that can come as a result of an Auto accident.
Without Liability insurance you can loose your license and possibly be responsible for tens of thousands in damages
resulting from injuries and or damages stemming from of a car accident and for which you are legally responsible.
If you own a newer car, it will often makes sense to also obtain Physical Damage (Full Coverage) Insurance to cover
the expense of repairing or even replacing your vehicle if it is damaged, stolen Vandalized or catches fire.

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Accident Reporting



 In the 50 years that Urban Insurance has been in business, we have never spoken to a single customer that was “Happy” to have just been involved in an accident. The truth is accidents happen to even the best of drivers. When an accident does occur you need to remain calm, collect the needed information and make a timely report.




The first thing to do upon being involved in a car accident is to gain your composure. This might seem easy or even unimportant, but it is a critical step in resolving the situation and getting your car repaired quickly. I will say what should be understood, “Things can be replaced- people can not”. Job one is to assess if any one in your vehicle is hurt. Having the presence to ask, as well as to look for your self can save lives. Remember, today few of us walk out our door without a phone, if someone in your car need medical help call 911. If you believe injuries are “Borderline;” error on the side of caution and call for help. Clearly the next step is to see if anyone in the other car or truck needs help. Don’t forget they call them “Accidents” for a reason. Keep your anger in check. There will be plenty of time to point fingers, first make sure no one is in need of medical help. Please take all reasonable steps to avoid further damage to person and or property by moving cars off to the side of the road and out of harms way.



The second step is to obtain all of the information you will need to report the loss to both Urban Insurance Agency, as well as to the police. Urban sent you an accident report card to be completed. We do not require that actual card be used, but it is a great tool to use. If you do not have the card, try to picture the likely questions we will ask when you contact us. Begin with the most obvious, Name, Address, Phone number and Work Number all fall into the category of being able to reach this person. Next move to their insurance information. Remember to ask for the name of the company as well as the name of the office or agency, and get the corresponding phone numbers for each. Clearly it is wise to mark down information on the vehicle(s) in the crash. I already reminded you that you will likely have a phone, and odd are that phone will have a camera. Not only can a “Picture be worth a thousand words,” but the photo will give a more objective account.



Report any accident promptly to both Urban Insurance, as well as to the police. Today, most police departments will not send out an officer to the scene unless there are injuries. However a report must be filed; that puts the job on you, the driver. If you fail to file a “Crash report,” this can result in your license being suspended or revoked. Also remember, if you fail to file a report but the driver of the other auto does- only that person’s account of the event will be recorded. Please do not forget to report the accident in to Urban. The sooner the loss is reported the sooner we can help you get your car fixed or replaced. If you wait too long you can put your coverage in jeopardy.



Over the past 50 years that Urban Insurance has helped tens of thousands of our customers solve the problems caused by accidents. None of our customers enjoy being involved in an accident, but we do find that they “Are Happy” that they were insured by Urban Insurance.

BBB Chicago, Car Insurance Illinois, SR22 Chicago

Lowest car insurance rates

Does it seem like every other commercial is for Car Insurance? At first, I thought maybe the fact that I sell Car Insurance left me “Hyper-aware” of Auto Insurance commercials, but it is not my imagination; auto insurance advertising has skyrocketed from $600 million in 2003 to more than $1.7 billion in 2007. Insurance companies spending has continued to increase throughout 2008 and again in 2009. In fact last year Geico alone spent more advertising car Insurance, than the total industry spent in 2003. State Farm and Allstate have dramatically increased Spending over the past year unwilling to give up market share to Progressive and Geico.

The result of all of this spending is a public that is watching and endless string of commercials from a dozen car insurance companies, each claiming to be some $500 cheaper than any other company. As a log-time agent selling car insurance, two things are quite clear:

1. Consumers are paying for all that advertising through higher Car Insurance rates.

2. Every company can't be the cheapest insurance company.

It should come as no surprise, that if an insurance company spends hundreds of millions of dollars per year on advertising, millions more vanity sponsorships, plus millions of dollars in executive bonuses- those costs will get passed down to consumers.

At Urban Auto Insurance, there are no marble floors and certainly no seven figure salaries. Our lower overhead is passed on to policy holders through lower rates.

I am always amazed by insurance companies claims that their policies will save people an average of over $400; because, At Urban insurance the average cost of a policy is only $426.

Clearly “Average savings” are based on only those customers who switched to company “X” and then reported that they saved money. Customers who got a quote from company ”X” and found the rate higher, and did not change carriers or switched but didn't save money are not counted when compiling their average.

Urban Auto Insurance has been helping customers save money on their Illinois car insurance and Indiana car insurance for more than 45 years. We represent 20 different car insurance companies in order to find you the lowest price on your auto insurance. Unlike many car insurance companies today Urban will provide you Auto Insurance without “Running your Credit”, this can save you hundreds of dollars on your insurance.

Get a quote from Urban Insurance today, then feel free to turn down the sound next time you see a insurance commercial.

About Urban Auto Insurance

About Urban Insurance Agency

Urban Insurance – number one for auto insurance in Chicago, Illinois provides free quotes for Car insurance, SR22 in Chicago. Urban Auto Insurance has qualified car insurance agents waiting to help you with your needs. As your auto insurance agent, we represent only the finest automobile insurance companies to get you the best coverage at the best price.
Whether your looking for car insurance in Chicago, Illinois or anywhere through out the state of Illinois, Call Urban Insurance 800-680-0707 and speak with an auto insurance agent.

Urban Auto is an automobile insurance Agency that will search 16 different companies to provide you with the lowest price automobile insurance of your choice, including SR22 insurance.

Call Urban Insurance for a FREE Car Insurance Quote

800-680-0707

Urban Insurance has been saving customers money on their

Car Insurance since 1961

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It began with a desk, single line phone and an idea to provide low cost car insurance without compromising personal service. Over the past 45 years, URBAN INSURANCE AGENCY has grown to one of the larger auto insurance agencies in Chicago. But as we have grown we have never lost site of our commitment to personal service. We take pride that after many years in business we are providing car insurance to the children and even grand children of some of our first auto insurance customers.

Urban Insurance, in addition to auto insurance, specializes in covering Motorcycles and all types of Commercial Trucks. We are one of the area's largest insurer of Tow Trucks, as well as low cost market for Messengers, Medi-Cars, and Landscapers.

Over the years, we have expanded to be licensed in the states of Michigan, Indiana, Mississippi, as well as our home state of Illinois (convienently located in Chicago).


Call us today at 1-800-680-0707 or request a quote online.

Let us show you how much money you can save on your car insurance.

Facebook the #1 Site in the World

For years, Google appeared to "Own the web", so it was a suprise to read that according to the newest data from Hitwise, between March 7th and March 13th, Facebook had more visits than Google. This caused Facebook to become the most visited website in the U.S.




That said, I would still rather have Google's income stream than Facebooks's
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Why Buy Car Insurance at Urban?

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


Please contact us for a free car insurance quote or for any questions that you may have regarding your auto insurance, including SR22 filings. We are based in Chicago, Illinois and can provide auto insurance in Illinois, Wisconsin, and Indiana.
You can also call toll-free at 1-800-680-0707.


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Urban Rated in top 5 Sites

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© Copyright 2009 Bessed -


Thank you for including Urban Insurance Agency in your list of "The Five of the best sites for car insurance in Chicago."

Urban Insurance has a BBB rating of A+

and we have been working hard to save our customers money for more than 48 years.

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

Reasonable Regulation

Posted On: June 17, 2009, 4:02 pm CDT
Posted By: Larry Lubell
Comment:
Any plan that results in the Federal Government "Micro-Managing" individual insurance companies, would be a grave mistake.But the Obama plan to provide some basic oversight to protect consumers as well as other insurance companies from an AIG type melt-down is a sound and rational decision. There are to many companies that are in very sorry financial condition. This can result in putting the public as well as other healthy companies (Required to pay into state guarantee funds) into a vulnerable position. www.urbaninsuranceagency.com


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Set up to Auto Deduct your monthly bill payment and never again worry about getting your coverage cancelled for non-payment.

Don’t risk getting stopped without insurance, or worse yet, having an accident after your policy had been cancelled.

You can make your monthly payments any of the following ways:
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Urban Insurance Agency and U.I. Payment Plan offer many ways to pay for your insurance coverage. We accept Cash, Check, Money Orders, Debit Cards and Credit Card including Visa, Master Card, Discover and American Express.


Our Auto Pay Plan allows you to set up future payments to automatically withdrawn from your credit or debit card, for a pre-determined amount on a set day of the month.
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Urban Insurance Agency | Low Cost Illinois Car Insurance and Indiana Car Insurance | SR-22 | SR22 Filings | Auto Insurance Illinois and Auto Insurance Indiana

Urban Insurance Agency Low Cost Illinois Car Insurance and Indiana Car Insurance SR-22 SR22 Filings Auto Insurance Illinois and Auto Insurance Indiana

SR22 forms provided same day

Urban Insurance Agency 800 North Wells, Suite 200, Chicago, IL 60610, 312-664-8088, Specializes in SR22 insurance, non-owners insurance and young drivers. Same day SR22s, low down payments, and low monthly payments are offered. more...

SR22 Insurance coverage

Urban Insurance has specialized in writing SR-22 policies for the past 4 decades.

SR22 is actually the name of the form used by insurance companies to notify the state that an insured has the required insurance coverage. People will sometime refer this car insurance as SR-22, or FR Filing or sometimes as just “Filing” insurance. While insurance is mandatory in Illinois, most drivers are not required to purchase SR22 insurance. If you are required to file an SR22 then an insurance company must submit the form in order to remove a suspension order placed by the Illinois Secretary of State's office on your driving privileges. The reason for the filing is to provide a certification to the Illinois 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 Illinois Secretary of State should the insurance ever lapse for any reason.
People whose license is under suspension by the Illinois Department of Motor vehicles need an SR22 Filing to reinstate their license. The are a variety of reason that you might be required to show proof of SR-22 filing, they include: drunk driving violations (DWI); suspensions from unpaid fines or parking violations; having an accident without car insurance; or having your license suspended for failing the emissions test.
In Order To Reinstate Your License, You Must Do One Of The Following:
If the cause of the SR22 is a “Judgment” you must either pay the full amount of the judgment or obtain a court order agreeing to pay the judgment in installments to the plaintiff’s attorney or the Clerk of the Cook County Circuit Court. It is important that you make sure you receive a certified, file-stamped copy of a “Satisfaction of Judgment” form. Take this form to the Secretary of State’s office at 160 North LaSalle Street located on the 10th Floor.
If the cause of the SR22 is due to unpaid tickets, you must take care of the underlying problem. Contact the appropriate Circuit Court and ask them to reopen the case or pay the outstanding tickets. If the cause of the SR22 is due to vehicle emissions, you must take your car back to a vehicle emissions testing facility and this time pass the test or Prove you no longer own the car.
Acquire SR22 Insurance from an insurance agency. You must sustain this insurance for 3 years without lapse or cancellation If Due to a judgment, DUI, felony or any other reason other than just being caught without insurance. If the only problem was Driving without Insurance, then you must maintain the insurance for one year without lapse or cancellation. You will also have a reinstatement fee of $70.00
At Urban Insurance Agency, we can do filings to the Secretary of State for the states of Illinois, Indiana & Michigan. We can file the forms electronically, or give you a hard copy for you to walk into the Secretary of States office and present.
If you have any further questions call me at 312-664-8088
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42,642 died in car accidents

No one wants to think about it, but our roads can be dangerous places. Even for those who use the greatest care, can have errors in judgment, and or make mistakes. No matter how well, or carefully you drive; there is always the risk of being hit be a driver not sharing your caution.

42,642 people died in motor vehicle crashes in 2006. The Institute publishes statistical facts about the motor vehicle safety picture in 2006, the most recent year for which fatality data are available. Fatality Facts are updated once a year, when the US Department of Transportation releases data from the Fatality Analysis Reporting System (FARS).

Fatality Facts

The idea is not to send you out onto the roads terrified, but to remind you of the seriousness required each time you get behind the wheel.

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She is still "Learning", so be nice to her.
If you have any futher questions please Email me Larry@UrbanInsuranceAgency.com