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04/03/2016
By: El compa R.
Capitol Insurance Agency-Chgo, 18th St.
Quiero agradecer por la atencion resivida por parte de la Sra. FELISA PORRAS ...Ya que es muy profecional en su trabajo . Porque todas las pregutas que le ago las contesta de buena manera y al momento...Se nota que esta muy bien preparada para el trabajo que realiza...Sra. Felisa espero nunca cambie..De ante mano gracias.
10/03/2015
By: Mariola S.
Alfa Insurance
Insurance broker agency that work for you and does not bother you with extras. Great service and very helpful representatives. They create long term relationship with employees and customer by the way they treat you. No issue is to small and every one is important no matter what service you use.
04/12/2017
By: William M.
Illinois Vehicle Auto Insurance
My agent Tobitha Johnson has helped tremendously. I told her what I needed and what my budget was. She called me back and now both our vehicles are covered. Now I'm at peace.
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03/02/2015
By: Katherine G.
A Best Insurance Store
one of the longest I have had the privilege of knowing.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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