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Archive for the ‘Auto insurance’ Category

Ask the Insurance Expert From Lakeview Insurance

Thursday, July 27th, 2017

 

Insurance Question We Most Often Answer

As professional insurance agents, we are asked many questions regarding personal insurance.  We thought it might be good to offer answers to the most common kinds of questions we receive.

“Why buy from an agent when I can go online?”

When you buy insurance online, you are forced to become the insurance expert and if there is ever an issue, you have only yourself to blame.  In most cases, we can offer the same, or better, coverage with a licensed professional agent who is willing to actually meet with you and educate you on your choices.  The cost for these services is included in the cost of your insurance.

“How much insurance do I need?”

That depends on your personal situation.  If you have a number of vehicles, recreational vehicles, or a boat, we might recommend higher limits than if you are a renter with no “toys.”  We also recommend that you buy auto insurance coverage/limits above the state minimum.  If you have a growing family and own your home, we suggest higher limits and a personal umbrella policy to protect your assets.  A personal umbrella policy is very competitive and can provide an added layer of coverage and security.

“Which deductible should I select?”

The higher the deductible, the lower the premium.  In the long run, it may benefit you to increase your homeowner’s insurance deductible above a minimum amount, especially if you are claim free for a number of years.

Established in 1976, Lakeview Insurance Agency serves individuals, families and businesses in Illinois, Wisconsin, Indiana and Michigan. Located in Chicago’s Lakeview neighborhood, our company is led by its founder Charles (Chuck) Stewart.

An independent insurance agency, we represent more than thirty top insurance carriers.

Summer Driving Tips From Lakeview Insurance

Thursday, June 22nd, 2017

An Auto Insurance Update

Summer is almost here, and many families are planning that great summer road trip.  Whether you are planning a day trip or a longer weeklong adventure, it is important to be prepared before you hit the road.  Insurance Institute for Highway Safety (IIHS) statistics reveal that more fatal traffic crashes occur over the summer months than over the winter months.

Auto Insurance

It will be important to have an auto insurance update before you go. Laws vary from state to state and when it comes to your auto insurance, it is important to have the best possible combination of coverage, price, and service.

Summer Driving Tips

If you have teen drivers, make sure they have taken driver safety training.

Never use your phone while driving.

When on a long drive, take frequent breaks.

Roads become very slippery in the first few minutes of rainfall because the rain mixes with the oil and dirt on the road. It takes about 30 minutes of steady rain to wash the oil and dirt off the road.

If your car is due for a tune-up, oil change, battery check, or tire rotation, now is the time to get it done.

Use seats belts every trip, all the time.

Traffic laws vary by state so it is important to follow traffic signs.

Pack extra water and supplies in case of an emergency.

Drive at a safe speed. Speeding increases the likelihood and severity of a crash.

Call our office for more information on how these discounts may apply to your situation. Established in 1976, Lakeview Insurance Agency serves individuals, families and businesses in Illinois, Wisconsin, Indiana and Michigan. Located in Chicago’s Lakeview neighborhood, our company is led by its founder Charles (Chuck) Stewart.

An independent insurance agency, we represent more than thirty top insurance carriers.

Why Are Your Auto Insurance Premiums Increasing?

 

A New Way To Buy Auto Insurance

Tuesday, May 30th, 2017

Lakeview Insurance Agency has a partnered with State Auto Insurance Companies to offer you a new way to buy auto insurance. Our goal is to help you stay safe while getting the best possible combination of coverage, price and service.

Distracted driving kills more people than any other cause and we hope to help reduce distracted driving accidents. Safety 360 is a new program designed to keep you safe and allow you to earn discounts on your auto insurance.

How Safety 360 works

Customers receive up to a 10% participation discount* once enrolled. They have an opportunity to earn up to 50% in premium discounts at renewal if their driving scores reflect safer driving habits. State Auto Safety 360 offers you a unique high-tech, high-touch connection to your customers. You have an opportunity to show them how to stay safer, and save.

Once enrolled, customers will receive an email confirmation and will receive a device in the mail within seven to 10 business days. The device is then installed/plugged in under the driver’s side dash in their vehicles. Your customer will receive additional email communications informing them how to access their driving data.

Knowledge is power. Direct your customer to StateAuto.com/Safety360, where we have FAQs, videos, graphics and educational articles about the use of telematics in the insurance industry.

Call our office for more information on how these discounts may apply to your situation. Established in 1976, Lakeview Insurance Agency serves individuals, families and businesses in Illinois, Wisconsin, Indiana and Michigan. Located in Chicago’s Lakeview neighborhood, our company is led by its founder Charles (Chuck) Stewart.

An independent insurance agency, we represent more than thirty top insurance carriers.

Why Are Your Auto Insurance Premiums Increasing?

Why Are Your Auto Insurance Premiums Increasing?

Wednesday, April 12th, 2017


A Chicago Auto Insurance Update

You may have noticed your auto premiums are increasing. In fact, auto rates are increasing all over the country. The reason for the increases are not what you may think. It is not because the insurance companies want to make more profit, it is due to the overwhelming number of accidents and the cost of these accidents. Most major auto insurers are paying out more in losses than they are taking in premiums.

The two contributing factors are the number of distracted driving accidents, and the cost of repairing newer, technologically sophisticated cars.

Distracted Driving

Distracted driving accidents are increasing in America due to the growing use of hand-held devices.  Too many people are interacting with their phones while driving. Phones and sophisticated dashboard technology are among some of the top activities that lead to accidents.

Driving while using a hand-held device increases the likelihood of a car accident by 400%.

Driver distractions are the leading cause of most vehicle crashes and near-crashes. According to a study released by the National Highway Traffic Safety Administration (NHTSA) and the Virginia Tech Transportation Institute (VTTI), 80% of crashes and 65% of near-crashes involve some form of driver distraction. The distraction occurred within three seconds prior to the vehicle crash!

Here is a link to a good article

Cost of Repairs Are Up Dramatically

Most new cars are designed with sophisticated technology that is expensive to repair.  Even the cost of bumpers has increased over 100% according to the Insurance Information Institute.  Today’s vehicles are equipped with expensive computers that control and monitor hundreds of features on the vehicle.  These computers are typically not repaired, but are replaced, which increases the total cost of the auto repair.

Get a Quote Today

72% of auto insurance in the United States is with just 10 companies. If you have not had us shop your auto insurance, now is the time.

 

Established in 1976, Lakeview Insurance Agency serves individuals, families and businesses in Illinois, Wisconsin, Indiana and Michigan. Located in Chicago’s Lakeview neighborhood, our company is led by its founder Charles (Chuck) Stewart.

An independent insurance agency, we represent more than thirty top insurance carriers.

Auto Insurance Myths and Realities

Tuesday, February 21st, 2017

Auto Insurance Update

We all need auto insurance to protect us from accidents and injuries. Auto insurance comes in all shapes and sizes.  It seems impossible to actually go online and try to secure the right auto insurance for our needs.  Do I have the right coverage? Do I have enough coverage? What about the special equipment I have added to my car, is that covered? These and other questions never seem to be answered, unless you have a licensed, professional agent to help you through the process.

Auto Insurance Realities and Myths

We want to set the record straight by examining a few auto insurance myths and realities.

  • Myth – Buying insurance online is better. Would you go to a web page to diagnose your illness and then select from a drop down list for your treatment? That is what online insurance buying is like.  Call your local independent agent so we can help design the right combination of coverage and price.  We have access to multiple markets, not just one. Cheap auto insurance seems great until you have a loss.
  • Reality – Personal information and your driving record are used to determine your auto insurance premiums.
  • Myth -Bright colored cars cost more to insure. Wrong. Premiums are based on the type of vehicle you have, its value, where you live, and other factors.
  • Reality – Getting more than three quotes does not take you a lot of time. As an independent agent, we shop all our markets for you, and provide the best possible combination of coverage, price, and service.
  • Myth – Insurance companies are all the same. Some insurers specialize in motorcycles, some have better rates for seniors, and some can insure your classic car.  We understand that all insurance companies are different and offer different products and services.
  • Reality – If you live in the city, chances are you will pay more for your auto insurance than if you live outside the city.

Established in 1976, Lakeview Insurance Agency serves individuals, families and businesses in Illinois, Wisconsin, Indiana and Michigan. Located in Chicago’s Lakeview neighborhood, our company is led by its founder Charles (Chuck) Stewart.

An independent insurance agency, we represent more than thirty top insurance carriers.

Good Reasons To Call Your Insurance Agent

Sunday, February 12th, 2017

Home and Auto Insurance Update

Let’s face it, you buy home and auto insurance to protect you when and or if an accident happens. And when you have an accident, you want your personal insurance to respond. If it has been a while since you updated your personal insurance coverage, you may want to call your agent today.

When to Call Your Agent

  • When you buy or sell a car
  • If you started a home based business
  • If you are thinking about putting in a pool
  • When you purchased any high end jewelry, guns or other items
  • If you home replacement value has gone up
  • Did you get a company car?
  • If you have remolded any part of your home
  • When you install a security system in your home
  • If you get married or divorced
  • If your commute distance has changed
  • When your children go away to college

Having the right auto coverage is not as easy as it sounds, and choosing the wrong coverages and limits could lead to financial disaster. Our agents are prepared to help you find the right combination of coverage, price and service.

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Office Contacts
Ph: 773-871-8000
Ph: 847-250-1500
Fax: 773-871-8062
lakeviewins@lakeviewins.com

Lakeview Insurance Agency of Illinois, Ltd.
3438 N. Southport Ave.
Chicago, IL 60657 map
Walk-Ins Welcome

Lakeview Insurance Agency of Illinois, Ltd.
1167 Wilmette Avenue, Ste 201
Wilmette, IL 60091 map
By Appt Only

After-Hours Emergency Claims
Ph: 773-502-8888
lakeviewins@msn.com