Magnum Insurance

Home Insurance Illinois Savings

magnum — Tue, 02 Sep 2008 20:13:23 +0000

How to Save Money on Home Insurance

Home insurance is an important part of protecting your most valuable investment: Your home! Home insurance also protects your belongings—electronics, furniture and family heirlooms—from loss or damage.

And though home insurance is an important purchase, you can still find a comprehensive policy for a price that won’t stretch your wallet. The Insurance Information Institute, an independent insurance resource for consumers, recommends doing the following:

Shopping around.
There are a myriad of insurance companies and brokers out there, all of which sell similar home insurance policies for different prices. But don’t waste time flipping through the Yellow Pages to contact four or five agents—shop online here—and receive multiple insurance quotes from local agents.

Taking advantage of discounts.
You may be eligible for an array of discounts which can lower your home insurance premium. Be sure to ask prospective home insurance agents about discounts for:

Buying multiple policies through the same insurer (like home and auto)
Living within 15 miles of a fire station
Installing electronic burglar alarms
Installing multiple smoke detectors
Updating plumbing and heating equipment

Increasing your deductible.
The higher your deductible—the amount you pay on a claim before the insurance company takes over—the lower your premium will drop. Just remember to select a deductible you can afford; you don’t want to break the bank if you need to file a claim.

Making routine home repairs.
Invest some time, money and elbow grease into making repairs to your roof, plumbing and heating systems and the like. It will reduce the chances of an in-home catastrophe, and your agent will reward you by lowering your premium.

Maintaining good credit.
Many homeowners are surprised to learn about the correlation between insurance rates and their credit history. And while some states are questioning whether or not to throw credit rating out of the premium-determining bucket, right now, it’s still a widespread practice. So pay those bills in full and on time!

You’ve got the tips—now start saving!

Now that you’re armed with the proper insurance saving artillery, you’re ready to start shopping. You can start here by entering your zip code into our quote box. You’ll receive free home insurance quotes from local agents, allowing you to compare policy types and premium prices and pick the policy that best fits your needs.

Chicago Commercial Insurance

magnum — Sun, 03 Aug 2008 23:42:54 +0000

Chicago Commercial Insurance Services, a full-service commercial lines in Chicago, we offer affordable, low-cost Commercial Insurance Chicago, Magnum Commercial Insurance Chicago meets your commercial needs-trucks, small business vehicles, tow and auto

Common Commercial Insurance Needs, such as:

Landscaping Insurance
Tow Truck Insurance
Small Business Auto Insurance
Truck Insurance
New Business Insurance
Seasonal Business Insurance

Request your Commercial Insurance in Chicago

Chicago Homeowners Insurance

magnum — Sun, 03 Aug 2008 23:17:58 +0000

Chicago Homeowners Insurance at lower rate, do you live in Chicago, do you need Homeowners Insurance in Chicago, how about Chicago Homeowners Insurance that you can actually afford, Magnum offers Home Insurance for every budget

The cost you pay for your Chicago Homeowners Insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from, consider Magnum when buying Homeowners insurance in Chicago

Request your FREE Chicago Home Insurance Quote

Chicago SR22 Insurance

magnum — Sun, 03 Aug 2008 22:52:28 +0000

Do you need Fast SR22 Chicago Insurance and SR22 Insurance that you can file online, well look no further, Magnum is here to help you find your Chicago SR22 Car Insurance at lowest rate

Need an SR22 in Chicago? Magnum handles SR22 filings for all types of drivers, if you need a Chicago driver filing or proof of financial responsibility for your Chicago Auto Insurance, let Magnum do the hard work for you.

Chicago Car Insurance

magnum — Sun, 03 Aug 2008 22:31:33 +0000

If you are looking for the Chicago Car insurance quotes, we can help!
Magnum Insurance offers a completely FREE online Chicago Car Insurance system, where you can obtain the most competitive Chicago Auto Insurance Rates

All you need to do is to compare your options, get the best Chicago Auto Insurance policy and start saving, our lowest rates and multi-carrier insurance where you can, Compare, Purchase, Print your Chicago Car Insurance in minutes, not days.

Chicago Hit with Record Gas Prices

magnum — Wed, 30 Jul 2008 07:27:00 +0000

According to (Illinois PIRG) Illinois consumers are spending more for gas now than ever before, and it’s time for lawmakers to step up and work toward real solutions,” said State Representative Colvin. “It’s time we heard from all the stakeholders in this struggle against high gas prices. Public hearings of the Consumer Protection Committee will bring real policy solutions to light.

Pulled over by the Police in Chicago

Emil — Thu, 12 Jun 2008 19:08:20 +0000

You are Teenager, You see Red and blue lights flashing in your rear-view mirror, you are being pulled over by the Chicago Cops. What should you do

Do Not Panic No matter how long you’ve been driving, being pulled over by the cops will probably freak you out. In most cases, it’s for speeding, a traffic violation, expired plates, or something like a burned-out headlight. Sure, it’s usually not good news, but it happens. So just stay calm

Move to the Right Side of the Road Don’t stop in the middle of the road, don’t pull to the left - the right side of the road is the safest place for both you and the cop. Go there

Get Your Stuff Together The cop will ask you for your driver’s license, vehicle registration, and proof of insurance. This would not be a good time to try and remember where this stuff is. Keep it handy, like in the glove compartment or your wallet

Simply Stay in Your Car If you get out of the car, the cop might see that as a threat, and trust me, you don’t want to go down that road. Stay put - the cop will come to you. You should only get out of the car if the cop asks you to. If they think you’ve been drinking, they may ask you to take a sobriety test or use a Breathalyzer. Just do what you’re asked to do

Do Not Pick a Fight The cop will tell you why you were pulled over. Okay, so maybe the cop will be obnoxious and say something like, “Do you know what you just did?” or “Do you know how fast you were going?” while shining a flashlight in your face. This is not the time to start arguing. Just answer the questions as truthfully as you can

Do Not Cry Seriously, the cop won’t be any more sympathetic if you start sobbing uncontrollably. Forget all of the urban legends you’ve heard - this is not a good way to try and avoid a ticket

Do Not Be Afraid to Suck Up There’s a fine line between being respectful and sucking up - cross it! Refer to the cop as “officer” when speaking, and be meek. One whiff of attitude from you, and you’re toast

Did I say to Stay in the Car After the cop gathers your license and everything, he or she will go back and sit in the cop car with the lights flashing for what seems like an eternity. It’s actually only a few minutes while they run your info through the computer. So just chill already

Take the Ticket and be on Your Way Whatever your ticket is for, take it and move on. If you don’t agree with it, you have the right to dispute it in traffic court. And once you’re on the road, don’t let the fact that you’re pissed off be an excuse for driving like an idiot. You could get pulled over again. It happens

Top Ten Most Stolen Vehicles in the U.S.

Emil — Thu, 12 Jun 2008 06:39:13 +0000

Toyota Camry
Honda Accord
Oldsmobile Cutlass
Honda Civic
Jeep Cherokee/Grand Cherokee
Chevrolet Full Size C/K pick-up
Toyota Corolla
Chevrolet Caprice
Ford Taurus
Ford F150 pick-up

Vehicle Theft Prevention Tips

The “Layered Approach” to Protection

Professional thieves can steal any car, but make them work for yours. To prevent thefts, the National Insurance Crime Bureau (NICB) recommends “Layered Protection.” The more layers of protection on your vehicle, the more difficult it is to steal.The number of layers your vehicle needs varies depending on your vehicle and geographic location. Your budget and personal preferences should determine which anti-theft device is best for you.Layer #1 - Common Sense An unlocked vehicle with a key in the ignition is an open invitation to any thief, regardless of which anti-theft device you use. The common sense approach to protection is the simplest and most cost-effective way to thwart would-be thieves.

You should always secure your vehicle, even if parking for brief periods by:

Removing your keys from the ignition
Locking your doors
Closing all your windows
Parking in a well-lit area

Layer #2 - Warning Device The second layer of protection is a visible or audible device which alerts thieves that your vehicle is protected. Popular second layer devices include:

Audible alarms
Steering wheel locks
Steering column collars
Brake locks
Wheel locks
Theft deterrent decals
Identification markers in or on vehicle
Window etching
Laminated glass

Layer #3 - Immobilizing Device The third layer of protection is a device which prevents thieves from bypassing your ignition and hot-wiring the vehicle.

Some electronic devices have computer chips in ignition keys. Other devices inhibit the flow of electricity or fuel to the engine until a hidden switch or button is activated.

Popular third layer devices include:

Smart keys
High security locks & keys
Fuse cut-offs
Kill switches
Starter, ignition and fuel disablement

Layer # 4 - Tracking Device The final layer of protection is a tracking device which emits a signal to a police or monitoring station when the vehicle is reported stolen. Tracking devices are very effective in helping authorities recover stolen vehicles.

Passive and Active Anti-Theft Systems

Passive and active anti-theft devices are the two options available when considering an anti-theft system. Passive devices automatically arm themselves when the vehicle is turned off, the ignition key removed, or a door is shut. No additional action is required. Active devices require some independent physical action before they are set, such as pushing a button, or placing a “lock” over a vehicle component part. This physical action must be repeated every time the anti-theft device is set or it will not function.

(Source: National Insurance Crime Bureau)

Glossary of Common Insurance Terms

Emil — Sun, 08 Jun 2008 07:31:57 +0000

Insurance Definitions

Additional Interest Insured Anti-Theft Device Bodily Injury Liability Coverage Comprehensive Coverage Collision Coverage Continuously Insured Declarations Page Deductible Driver Improvement Course Driver Status Garaging Location

Limits Named Insured Occasional Driver Policy Expiration Date Policy Term Primary Residence Primary Use Principal Driver Prior Address Property Damage Liability Coverage

Second Named Insured Social Security Number SR-22 Uninsured Motorist Coverage Underinsured Motorist Coverage Uninsured Motorist Property Damage Coverage Underinsured Motorist Property Damage Coverage VIN


Additional Interest Insured	Back to Top
Another person or company who may be liable for an accident involving an insured or an insured vehicle and who has been named as an Additional Interest Insured under the policy.

Anti-Theft Device	Back to Top
Select Recovery Device if the system has a device that is capable of tracking (homing) and recovering the vehicle. These systems must automatically contact a response center where the process of vehicle recovery begins. This does not include alarms which do not have contact with a center or vehicle tracking. To receive an anti-theft discount, comprehensive and collision coverage must be present on your policy.

Bodily Injury Liability Coverage	Back to Top
Pays when an insured person is legally liable for bodily injury or death caused by your vehicle or your operation of most non-owned vehicles. This coverage also pays for your legal defense if you are sued.Common Exclusions: No coverage for (1) bodily injury/death when you are using your vehicle to carry persons or property (including magazines, newspapers, food) for compensation or a fee; (2) liability assumed under a contract; (3) bodily injury/death to an employee; (4) bodily injury/death caused by an intentional act; (5) property owned by, rented to, or in the charge of an insured person; (6) bodily injury/death to you or relative; (7) bodily injury/death or property damage resulting from a relative’s use of a vehicle, other than a covered vehicle, owned by a person who resides with you; or (8) bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle.

Comprehensive Coverage	Back to Top
Pays for loss or damage to your covered vehicle caused by any event other than collision. This includes damages due to events such as fire, theft, windstorm, flood, and vandalism. We will also pay transportation and loss of use expenses under this coverage if your motor vehicle is stolen.

Collision Coverage	Back to Top
Pays for loss to your covered vehicle when it collides with another object or overturns. We will also pay for a collision loss to any non-owned vehicle, or to a vehicle you have rented other than a vehicle rented for use in connection with your business or employment, while that vehicle is in your custody, or while you are operating it.Common Exclusions: No coverage for damages or loss (1) to a vehicle while being used to carry persons or property for compensation or a fee; (2) resulting from intention acts, racing, or preparing for a race or stunting activity; (3) customs parts or equipment, including electronic equipment, in excess of the value declared in the application; or (4) to tapes, compact discs, other media or their carrying cases.

Continuously Insured	Back to Top
Insurance coverage was in effect from an insurer or more than one insurer at all times, without a break or lapse in coverage for any reason.

Declarations Page	Back to Top
The report from your insurance company listing: the types of coverage you have elected; the limit for each coverage; the cost for each coverage; the specified vehicles covered by the policy; the types of coverage for each vehicle covered by the policy; and other information applicable to the policy.
Deductible	Back to Top
The amount of each loss you agree to pay. Generally, choosing a higher deductible will lower your premium.

Driver Improvement Course	Back to Top
A voluntary refresher course available for drivers age fifty-five (55) and older to enhance their driving skills. Participants are eligible for a discount if they can provide a certificate to Progressive as proof of completion. The course must have been completed within three (3) years of the date the policy is to begin.

Driver Status	Back to Top
Provides information concerning whether the driver has been rated or listed on the policy.

Garaging Location	Back to Top
The ZIP code where your vehicle is parked when not in use and usually corresponds to your primary residence.

Limits	Back to Top
The most we will pay for a specific insurance coverage. You may choose the limit which meets your needs. Most states have laws that specify the minimum limits you must purchase.

Named Insured	Back to Top
The first person in whose name the insurance policy is issued.

Occasional Driver	Back to Top
The person who is not the primary or principal driver of the vehicle.

Policy Expiration Date	Back to Top
The date when your current insurance policy expires. This date can be found on your current policy, Declaration (or “DEC”) page, insurance identification card or recent cancellation notice. This date is not to be confused with the date of your next payment or when your renewal payment is due.

Policy Term	Back to Top
The length of time that the policy is in force. In most states, Progressive offers annual and semi-annual policies.

Primary Residence	Back to Top
The place where you will reside for the majority of your policy term. If you are a homeowner who does not reside in the home you own, please choose the “rent” or “other” option.

Primary Use	Back to Top
What your vehicle is mainly used for: To/From Work If you use your vehicle to commute to and from your work and/or school. Business If your vehicle is used for one or all of the following: used to make sales calls used as vehicle for business trips to bank or post office, picking up supplies, going to different locations owned or leased by a partnership or corporation that have a business listed as and additional interest on the car Farm If your vehicle is used primarily on a farm, ranch or orchard Artisan If your vehicle is operated by you in a trade or business where the vehicle is: owned or leased by an individual operated solely by the named insured or other resident relatives used to transport tools or other materials where such transport is incidental to the insured’s trade or business at no more than 2 job sites per day not used to transport explosives or flammable materials not carrying equipment weighing more than 500 lb. Artisan occupations may include but are not limited to: appliance repair landscapers, blacksmith, painters, cabinet makers, photographers, carpenters, plasterers, carpet installers, pool cleaners, construction workers, pool maintenance, drapery installers, radio/TV repairman, electrician repairmen, exterminators, roofers, fence installers, tree trimmers, furniture repair, upholsterers, heating/ac repairmen, surveyors, interior decorator, welders, janitorial services Pleasure No others apply
Principal Driver	Back to Top
The person who drives the car most often.

Prior Address	Back to Top
We ask for your prior address only if you moved within the last 60 days. Progressive orders consumer reports to determine the correct rate for you. Your prior address provides an additional piece of information to match the consumer report correctly with the customer. If we don’t collect this information, our chance of error increases and we might not calculate your rate correctly.

Property Damage Liability Coverage	Back to Top
Pays when an insured person is legally liable for damage to the property of others caused by your vehicle your operation of most non-owned vehicles. This coverage also pays for your legal defense costs if you are sued.Common Exclusions: Same as Bodily Injury Liability Coverage exclusions, but the exclusions apply to damage to property.

Second Named Insured	Back to Top
The named insured or listed agent on a policy may request to designate any other person listed on the policy as a “second named insured”. The second named insured has the same coverage under the policy as the named insured.

Social Security Number	Back to Top
Progressive requests detailed information about you to provide you with the most accurate rate. Progressive orders consumer reports to determine the correct rate for you. We need several pieces of information to match the report to the customer appropriately. If we don’t collect this information, our chance of error increases and we might not calculate your rate correctly.

SR-22	Back to Top
A document required by the court for persons convicted of certain traffic violations that demonstrates proof of financial responsibility.

Uninsured Motorist Coverage	Back to Top
Protects you, your resident relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance.Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.

Underinsured Motorist Coverage	Back to Top
Protects you, your resident relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have enough insurance.Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.

Uninsured Motorist Property Damage Coverage	Back to Top
Available in some states as an alternative to Collision Coverage. This coverage pays you for damage to the covered vehicle that has been sustained in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance.Common Exclusions: No coverage for property damage sustained by a covered vehicle while (1) being used to carry persons or property for compensation or a fee; or (2) a covered vehicle without the permission of you or a relative.

Underinsured Motorist Property Damage Coverage	Back to Top
This coverage pays you for damage to the covered vehicle that has been sustained in an accident in which the owner or operator of a motor vehicle who is legally liable is an underinsured motorist. This coverage is available in only a limited number of states.Common Exclusions: No coverage for property damage sustained by a covered vehicle while (1) being used to carry persons or property for compensation or a fee; or (2) a covered vehicle without the permission of you or a relative.

VIN	Back to Top
The vehicle identification number (VIN) on your vehicle. This number is usually found on the dashboard of your vehicle on the driver’s side, and is usually listed on the vehicle registration and title. The VIN number is a combination of letters and numbers 17 characters in length that can be used to identify the make, model, and year of your car.