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.

Hiring an Illinois DUI Attorney – What Should I Consider?

READER QUESTION:

What are things I should consider when i am looking into hiring an Illinois DUI attorney?

Marisol

GOOD QUESTION, MARISOL.

The first question I would confront the lawyer with with when you step into their office is: “Will you be handling my case, or are you going to delegate it to someone else?” It’s extremely important for you to hold your consultation with the person who will actually be representing you, so that you can correctly evaluate their abilities. If you’ll be represented by someone other than the consultee, you’re just wasting your time.

On a similar note, experience is one of the number one things you should focus on, and particularly in the area of DUI, and even more narrowly in the type of DUI case you have. Just because your lawyer is a couple of decades out of law school doesn’t mean they know their stuff in this are–they may have been practicing divorce law all that time.

Secondly, you should keep in mind how you relate to the lawyer and also the fees involved. You should get your fees in a written fee agreement so that you can assess them beforehand.

–Fashun.