Cheap Car Insurance for Illinois Drivers

From a testimonial:

A lady from Illinois (Chicago area) was paying $156 for liability car insurance and she get quoted by one of our cheap car insurance specialists and was only charged $56 .

She was with State Farm in Illinois previously and Serenity Insurance Group was able to provide her with a much lower rate by shopping our large number of insurance companies for the best car insurance rate for her circumstances.

Illinois Drivers - Don’t pay too much for car insurance - call our Cheap Car Insurance specialists today at

1-800-546-5470

Technorati Tags: Cheap Auto Insurance, Cheap Car Insurance, Cheap Insurance, Illinois

WHAT DETERMINES YOUR INSURANCE RATES?

By Tom Black
Serenity Insurance Group

Have you ever moved, changed cars or jobs, only to find that your auto insurance premium jumped? Part of that rate increase could be due to one of many factors that are used to compute your insurance costs.

Where you live-people who live in more rural, or less populated areas within the same state generally have lower insurance costs. The companies figure that being around fewer people makes your likelihood of an accident less.

YOUR AGE-statistics show that people who have more driving experience have less accidents. Young drivers and young males in particular, are many times more likely to be involved in an accident than a person with 10 or more years driving history. (If you are a student, having a good grade average can help lower your premium)

YOUR DRIVING RECORD-the companies hire actuaries who determine your chances of getting in an accident. The more tickets you have on your record, actuaries have shown the more likely you will cause a wreck. Obviously, more serious tickets like Negligent Driving, Reckless Driving, and DUI drive these statistics higher. That is why most companies that will issue an SR-22 filing have higher rates for these high risk drivers.

YOUR CREDIT HISTORY-it may be hard to understand that there is a definite relationship with your credit history and your likelihood to cause or be involved in an accident. Some very scientific men have been able to show a direct correlation between your credit and your costs to an insurance carrier.

YOUR VEHICLE-Some cars or trucks cause more damage to other vehicles when involved in a collision. Some cars or trucks are just involved in more collisions. (Sports cars, hot rods, big SUV’s)

The ideal insurance risk (least likely to be in a wreck) would be a 6o year old married person, living in a farming community, who owns his own home, has no tickets, and drives a 2004 Buick LeSabre.

On the other hand, a very poor insurance risk is the 18 year old young man, living in Los Angeles, who is behind on his credit cards, has four speeding tickets and one reckless driving, and is driving a four year old Corvette.

Keep these things in mind when assessing your insurance costs.

Technorati Tags: Insurance, insurance rates, rates, Tom Black

Have you ever looked at your auto insurance policy?

When we purchase auto insurance, most of us are looking for cheap auto insurance, or the lowest rate. Of course, we all want to get the most insurance we can for the least amount.

However, an informed buyer is a far smarter insurance client. If you think you got a better deal because you paid less than someone else, be careful. Auto insurance is coverage and protection, and that can vary widely from policy to policy.

LIABILITY-Covers you if you are sued as a result of an at-fault accident-do you have enough coverage to protect your assets?

UNINSURED MOTORIST COVERAGE-pays for medical bills, loss of earnings, even funeral cost if you are injured by a driver with no insurance.

MEDICAL PAYMENTS-this coverage takes care of medical bills, regardless of who is at fault, resulting from a collision, even if you are a pedestrian.

PHYSICAL DAMAGE-Usually referred t as Comprehensive and Collision. This coverage will respond to fix your car in the event of a collision or other peril that may happen. Vandalism and theft, flood and hitting an animal are considered other than collision. Often these two coverages have different deductibles (the amount you must pay before the coverage responds). Often a higher deductible will result in a cheaper rate.

There are other considerations in choosing a good policy. Please be sure you understand who is covered on the policy. Is anyone excluded?

All auto policies have territorial limits, so please be aware. Most policies let you drive in the U.S. and Canada, but not Mexico. If you drive there, you must purchase special insurance for Mexico.

Remember, a smart buyer is an informed buyer. Don’t be afraid to ask any questions when buying your auto insurance, even for SR-22’s

By Tom Black
Serenity Insurance Group

Whether you are a preferred driver looking for cheap car insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out an auto insurance quote request.

Technorati Tags: Cheap Auto Insurance, Purchase Auto Insurance, Tom Black

Technorati Tags: Motorcycle Insurance Policies

Motorcycle Insurance has become a key target for Allstate

Allstate Corporation is attempting to attract motorcycle owners with the inception of a website that provides safety tips, an events calendar, and suggested scenic rides for bikers.

An advertising campaign geared towards motorcycle riders complements the site which includes ride stories from bike owners, mechanical advice, and a way to create a virtual online motorcycle.

Motorcycle sales have tripled in the last ten years, with more than seven million registrations in the United States, but Allstate has only captured a small portion of that market.

Progressive claims to be the largest motorcycle insurer in the U.S. and State Farm claims that it has about 15% of the market.

For a competitive Motorcycle Insurance Quotation call Serenity Group at 1-800-774-0520 or fill out a car insurance quotes request specifying the details of your motorcycle insurance needs.

Technorati Tags: Cheap Insurance, Motorcycle Insurance

Technorati Tags: auto insurance, car insurance, Cheap Auto Insurance, Cheap Car Insurance, Tom Black

WHY IS AN SR-22 SO IMPORTANT?

By Tom Black
Serenity Insurance Group

An SR-22 certificate is a proof of financial responsibility. In other words, it serves basically the same purpose as the insurance ID card most drivers carry in their glove compartments.

There is one BIG DIFFERENCE between the normal auto insurance card and an SR-22. If a driver with a SR-22 stops paying for his insurance, that company is required by law to notify the licensing department of that state (DMV, DPS, DOL) and that driver’s license will be automatically suspended, usually with no warning! The result is often an additional ticket for driving while license suspended, and the driver’s insurance policy will have to be re-written, usually with another down payment, and one more point charge for the new citation.

If you have an SR-22 proof of insurance, please do whatever it takes to make your payments, so you don’t have to subject yourself to another hassle with your auto insurance.

Whether you are a preferred driver looking for cheap car insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out an auto insurance quote request.

Technorati Tags: auto insurance, car insurance, Insurance, SR-22, SR22, Tom Black

Insurance Costs - Mini Cars

Explanation of these Insurance Costs Charts.

Collision Insurance Losses
Model Years 2005 – 2007 Passenger Motor Vehicles
Make Model
Relative Average Loss Payment
Per Insured Vehicle Year
Two-Door Models 114
Toyota Yaris 103
Hyundai Accent 110
Four-Door Models 125
Kia Rio 116
Hyundai Accent 131
Chevrolet Aveo 135
Toyota Yaris 141
Station Wagons 110
Chevrolet Aveo 96
Honda Fit 100
Kia Rio 105
Sports Models 147
Mazda MX-5 Miata convertible 82
Lotus Elise 435

Note: Every model represents over 1,000 insured vehicle years and at least 100 claims. The
experience for previous or discontinued models from 2005 – 2007 is included in the class

Technorati Tags: auto, auto insurance, automobiles, Car, car insurance, cars, Cheap Auto Insurance, Cheap Car Insurance, Costs, Insurance, Insurance Costs, mini cars

Insurance Costs - Small Cars

Collision Insurance Losses
Model Years 2005 – 2007 Passenger Motor Vehicles

Explanation of these Insurance Costs Charts.

Small Cars
Make Model
Relative Average Loss Payment
Per Insured Vehicle Year
Two-Door Models 143
Volkswagen New Beetle convertible 73
Chrysler PT Cruiser convertible 83
Volkswagen New Beetle 85
Mini Cooper convertible 91
Mini Cooper 92
Ford Focus 112
Saturn ION Quad Coupe 120
Volkswagen Rabbit 127
Pontiac G5 135
Volkswagen GTI 136
Honda Civic 144
Chevrolet Cobalt 147
Hyundai Tiburon 196
Scion tC 205
Chevrolet Cobalt SS supercharged 209
Honda Civic Si 210
Four-Door Models 124
Volkswagen GTI 95
Honda Civic Hybrid 100
Saturn ION 105
Volkswagen Rabbit 107
Toyota Prius 108
Honda Civic 109
Toyota Corolla 116
Ford Focus 117
Hyundai Elantra 118
Nissan Versa hatchback 120
Chevrolet Cobalt 129
Nissan Versa 130
Kia Spectra 131
Suzuki Reno 131
Suzuki Forenza 131
Suzuki Aerio 132
Suzuki Aerio 4WD 133
Subaru Impreza 4WD 134
Honda Civic Si 138
Nissan Sentra 139
Mazda 3 141
Subaru Impreza WRX 4WD 275
Station Wagons 97
Dodge Caliber 4WD 66
Kia Rondo 66
Ford Focus 81
Chrysler PT Cruiser 88
Dodge Caliber 89
Chevrolet HHR 91
Pontiac Vibe 95
Suzuki SX4 4WD 98
Suzuki Forenza 99
Toyota Matrix 102
Subaru Impreza 4WD 109
Mazda 3 Mazdaspeed 114
Mazda 3 115
Kia Spectra hatchback 127
Subaru Impreza WRX 4WD 144
Sports Models 123
Pontiac Solstice convertible 84
Saturn Sky convertible 85
BMW Z4 convertible 101
Porsche Cayman 135
Mercedes SLK class convertible 136
Porsche Boxster convertible 154
Honda S2000 convertible 176

Note: Every model represents over 1,000 insured vehicle years and at least 100 claims. The
experience for previous or discontinued models from 2005 – 2007 is included in the class averages.

Technorati Tags: auto insurance, car insurance, Cheap Auto Insurance, Cheap Car Insurance, Costs, Insurance, Insurance Costs

Insurance Costs - Midsize Cars

Collision Insurance Losses
Model Years 2005 – 2007 Passenger Motor Vehicles

Explanation of these Insurance Costs Charts.

Make Model
Relative Average Loss Payment
Per Insured Vehicle Year
Two-Door Models 118
Volkswagen Eos convertible 67
Toyota Camry Solara convertible 77
Pontiac G6 convertible 96
Chevrolet Monte Carlo 115
Toyota Camry Solara 117
Honda Accord 129
Pontiac G6 135
Mitsubishi Eclipse 154
Four-Door Models 109
Subaru Outback 4WD 72
Hyundai Azera 80
Saturn Aura 84
Chrysler Sebring 88
Hyundai Sonata 90
Toyota Camry Hybrid 93
Mercury Milan 99
Honda Accord 99
Ford Fusion 4WD 100
Volkswagen Passat 102
Volkswagen Passat 4WD 105
Volvo S40 4WD 106
Volkswagen Jetta (NEW) 106
Toyota Camry 106
Ford Fusion 108
Chevrolet Malibu 113
Kia Optima (NEW) 114
Subaru Legacy 4WD 116
Honda Accord Hybrid 118
Mazda 6 hatchback 120
Acura TSX 123
Mazda 6 124
Nissan Altima 124
Pontiac G6 126
Mazda 6 4WD 128
Mitsubishi Galant 131
Volvo S40 (NEW) 131
Nissan Maxima 136
Station Wagons 81
Subaru Outback 4WD 66
Mazda 6 85
Subaru Legacy 4WD 88
Mazda 5 90
Volvo V50 94
Chevrolet Malibu Maxx 97
Volkswagen Passat 98
Volvo V50 4WD 108
Audi A3 110
Audi A3 4WD 134
Sports Models 143
Ford Mustang Shelby GT500 55
Ford Mustang GT convertible 93
Ford Mustang convertible 101
Mitsubishi Eclipse convertible 109
Chevrolet Corvette convertible 110
Chevrolet Corvette 121
Lexus SC 430 convertible 123
Porsche 911 convertible 123
Ford Mustang 127
Ford Mustang GT 136
Porsche 911 Coupe 151
Nissan 350Z convertible 157
Mazda RX-8 176
Cadillac XLR convertible 187
Chevrolet Corvette Z06 193
Mercedes SL class convertible 196
Nissan 350Z 217
Luxury Models 129
Saab 9-5 station wagon 67
Audi A4 Quattro station wagon 4WD 74
Saab 9-3 station wagon 91
Saab 9-3 convertible 98
Lincoln MKZ 4dr 4WD 99
Saab 9-3 4dr 100
Infiniti G35 4dr 103
Lincoln MKZ 4dr 106
BMW 3 series 4dr 4WD 107
Acura TL 4dr 108
Saab 9-5 4dr 108
Lexus ES 350 4dr 111
BMW 3 series 2dr 4WD 114
Volvo S60 4dr 116
Volvo S60 4dr 4WD 117
Infiniti G35 4dr 4WD 122
BMW 3 series 4dr 126
Mercedes C class 4dr 4WD 128
Jaguar X-Type station wagon 4WD 129
Audi A4 Quattro 4dr 4WD 129
Lexus IS 350 4dr 130
Acura 3.5 TL 4dr 132
Mercedes CLK class convertible 148
Lexus IS 250 4dr 149
Mercedes C class 4dr 152
Jaguar X-Type 4dr 4WD 153
Audi A4 4dr 156
BMW 3 series 2dr 161
Lexus IS 250 4dr 4WD 168
Audi S4 Quattro 4dr 4WD 186
Infiniti G35 2dr 190
Mercedes CLK class 2dr 190
Volvo S60 R 4dr 4WD 201

Note: Every model represents over 1,000 insured vehicle years and at least 100 claims. The
experience for previous or discontinued models from 2005 – 2007 is included in the class averages.

Technorati Tags: auto insurance, car insurance, Cheap Auto Insurance, Cheap Car Insurance, Costs, Insurance, Insurance Costs