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HARLEM INSURANCE AGENCY INC Blog: insurance

View the latest blog posts from HARLEM INSURANCE AGENCY INC.

What is life insurance? Insurance that pays out a sum of money either on the death of the insured person or after a set period. Your need for life insurance varies with your age and responsibilities. It is a very important part of financial planning. There are several reasons to purchase life insurance specially when there is a sudden death. READ MORE >>

Well let’s say you have a friend over and they would like to borrow your car to go and pick up something from the store. Along the way something happens and you get a phone call that they just got in to an accident. I bet your next question is what will happen to your car? READ MORE >>

So you now need a SR22? An SR22 is usually required by state when you drive without insurance or driving under influence. This means you have to get insured for 3 years ,if this were to get cancelled by any reason your license will get suspended. How to obtain an SR22? READ MORE >>

Well the answer to that is simply yes. Your rates do get affected by your credit. The lower the credit score the higher your premium. Now I bet your asking why should it affect the premium? What does it have to deal with auto insurance? READ MORE >>

Well lets face buying insurance is already difficult enough. All these questions concerns and what's covered and what's not. It's nice to sit down to a local insurance company and ask the list of questions that you had made a night before. READ MORE >>

So your car had eggs thrown at? Or how about a flying pumpkin that came crashing down on your car? Ok so we all know that around Halloween time kids and even some adults are always doing something they shouldn't be. Its so crazy how you come outside and you find your car completely vandalized. READ MORE >>

So you think that driving with no insurance is a good way to save money right? WRONG! Let me give you an example of driving with no insurance. So all of a sudden you look in your mirror and you see lights you pull over and of course the first thing that they ask you for is license and insurance. READ MORE >>

Here in Chicago we always have this crazy weather. One day it's hot and your dripping sweat the next day you need a jacket its 20 degrees. Now when you hear umbrella you  think of an umbrella that protects you from the rain outside. Right? Well you don’t want to get wet that’s why you have that protection. READ MORE >>

Deductible Getting insurance should be easy right I mean you just give them your vin number and your driver’s license right? Well what about when they ask you here in Chicago how much would you like your deductibles to be? Well let’s start by saying this a deductible is actually what you are paying out of pocket to cover a expense. READ MORE >>

Personal Coverage Basics vs. Commercial Coverage Basics Personal Coverage for your vehicle is actually really easy to obtain in Illinois and Indiana. It not only is a necessary when driving on the road here in the Chicago land to have, but also to choose the right kind to protect yourself and vehicle. READ MORE >>

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