Auto Liability Insurance in Illinois Can Reduce Your Annual Premiums

Reader’s Question:

I’ve been doing my best to save on just about anything and now, I’ll focus on my auto insurance here in Illinois. Do you think it will be better for me to reduce my auto liability insurance just to save some money?

LaTrell

Evanston, IL

It may not be a good idea to reduce the liability limits on your auto insurance in Illinois. Most of the auto insurance premiums that you pay normally go toward the legally-mandated liability part of your auto insurance policy. If you’d like to save some money and lessen your auto liability limits, you would be accountable for any costs of damages over the limits of your auto insurance policy.

But even though other types of coverage are normally helpful, you may opt to eliminate them for you to have lower premiums on your auto insurance. If what you drive is a lower value, older model vehicle, you will not have any trouble paying for a new vehicle so you can just drop the comprehensive and collision coverage of your auto insurance policy. This way, you may be able to slash some dollar amount on your auto insurance premiums. And there is also one other way for you to be able to save money on your auto insurance. You may opt to agree in paying for a bigger portion of the damages in an accident by increasing your deductibles. The auto insurance provider will be assured that they won’t have to pay that much once you file a claim.

DUI – Car Insurance in Illinois After DUI Conviction

Reader’s Question:

My brother got his second DUI offense here in Evanston, Illinois and we all hope he doesn’t get convicted again. In case that happens, how can he get car insurance after his two DUI’s?

Francesca

Evanston, IL

We all know and understand that a DUI is a very serious charge and you can jeopardize your own life and that of other people by drinking and driving. It may be hard for your brother to get a car insurance after being charged again with his second DUI in Evanston, Illinois, especially if he gets convicted. The first thing that he would have to do is get the SR22 form procedure completed by his insurance company. This is the official documentation required for him to reinstate his license and get his car registered at the local DMV.

You brother has to submit the SR22 insurance form to the local DMV but take note that his license would be put on probation for at least two years. His car insurance premium is going to be extremely high because he will most likely be termed as a ‘high risk driver.’ In case he’s having a hard time finding a car insurance company who would give him coverage, I advise him to try and get an online rate quote from this very website because it offers DUI insurance even for second offenses.

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Illinois DUI Traffic Stop – Why Was I Stopped?

Reader’s Question:

When I was arrested for DUI here in Evanston, Illinois, I really didn’t understand why the officer asked me to pull over. I don’t remember that I committed any traffic violation. What are the possible reasons why an officer could ask a driver to pull over because of a DUI suspicion?

Bonnie

Evanston, IL

On your DUI arrest in Evanston,, the police officer should have had a ‘reasonable suspicion’ to pull you over. It may constitute a ‘reasonable suspicion’ if the police officer observed that your vehicle was swerving over lanes. Similarly, if you were driving with a broken headlight, broken taillight, driving too fast or even with your high-beams on (in traffic), that could also be sufficient ‘reasonable suspicion’ to pull you over. But if after an investigation of your DUI case that it is discovered that your broken taillight was nothing more than a crack in the red plastic, or if you were driving with your high-beams on and a significant distance from other vehicles, the DUI stop would be considered illegal and an appropriate motion to suppress and could result in an order excluding all evidence after the illegal stop.

The evidence that can be excluded would be the police officer’s observations, breath test results, field sobriety tests and anything else that the state attorney might rely on to obtain a conviction. It has also been found that minor swerving within lanes could be an insufficient reason for an officer to stop your vehicle. Similarly, since newer vehicles are equipped with three or more tail lights, a DUI stop for a malfunctioning tail light is improper if two of the three tail lights on your vehicle were operating properly