Coaching Insurance, LLC

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Des Plaines, IL
Coaching Insurance, LLC

Coaching Insurance, LLC is a property and casualty broker. Coaching Insurance, LLC is a subsidiary of Coaching Financial Concepts, Inc.

and specializes in protecting your greatest and most expensive asset: auto, home and/or business. As insurance brokers our job is to find the best coverage's at a competitive price through our many resources. With every situation we quote our top companies to help find you the best value. Many companies claim to be the best, we just find the best so either you pay a lower premium or get better cov

erage. Send us your information today for a no obligation quote. We may not be the lowest price but you will always get our best! Lastly, insurance doesn't have to be painful process as you will find us both fun and easy to work with!

05/28/2026

Why did my ACA Marketplace premiums skyrocket in 2026?
Enhanced ACA premium tax credits expired December 31, 2025. The result: benchmark ACA premiums surged 26% on average — the largest increase in 8 years. Actual out-of-pocket premiums for subsidized enrollees more than doubled (up 114% on average), according to KFF.
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05/26/2026

Can usage-based (telematics) insurance actually save me money?
Usage-based insurance programs that track driving behavior (speed, braking, mileage) can significantly lower premiums for safe or low-mileage drivers. However, adoption has been uneven due to privacy concerns, lack of awareness, and inconsistent user experiences. 66% of consumers rank price as the most important factor when choosing a provider.
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05/21/2026

Is car insurance becoming a racial and income equity issue?
Yes. New research shows auto insurance premiums disproportionately burden communities of color. Black drivers pay notably higher premiums; urban neighborhoods of color face markedly higher costs. A household earning $40,000 devotes roughly 10% of income to auto insurance alone. Women of color pay some of the highest premiums of any demographic.
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05/19/2026

What coverages am I missing that I actually need?
Commonly overlooked: uninsured/underinsured motorist coverage (critical as more drivers go without insurance), gap insurance for newer vehicles, and roadside assistance. 27% of people said they can't afford their car insurance deductible, and many are quietly dropping optional protections.
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05/14/2026

Is insurance fraud driving up my car insurance rates?
Yes, significantly. The FBI estimates staged accidents cost the insurance industry $20 billion annually, adding ~$300/year to every insured car. In New York, fraud and no-fault abuse are identified as primary structural cost drivers, with Brooklyn drivers paying over $6,700 vs. $1,777 in rural areas.
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05/12/2026

Are electric vehicles more expensive to insure?
Yes. EVs generally cost more to insure due to higher repair costs, expensive battery systems, specialized parts, and limited repair networks. Even non-EV owners feel the ripple effect, as insurers adjust prices across entire risk pools to accommodate rising EV claim costs.
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05/07/2026

Should I switch car insurance companies?

Record numbers of consumers are shopping. 57% of auto insurance customers shopped for new policies in 2025 (up from 49% the year before), and 33% say they're likely to switch in the next 90 days in 2026. Rate decreases at some carriers mean real savings are available for those who compare.

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05/05/2026

Why is my car insurance so expensive in 2026?

The average annual premium is now $2,256 (up 3% year-over-year). After a 46% surge between 2022 and 2024, rates dropped 6% in 2025 but are climbing again. Key drivers: advanced vehicle technology making repairs costlier, labor/parts inflation, medical inflation, and increased litigation.

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04/30/2026

Should I raise my deductible to lower my premium?

The average homeowner deductible rose 22% in 2025 (on top of 15% in 2024). While higher deductibles lower monthly payments, they shift more out-of-pocket risk to the homeowner. Only 31% of Americans review or shop for insurance annually, meaning many are unknowingly underprotected.

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04/28/2026

What are the new California insurance laws for 2026?
Major changes include: faster contents payments after total loss (SB 495), expanded non-renewal protections for businesses and HOAs, new wildfire mitigation grants (California Safe Homes Act), and mandatory building code upgrade coverage (at least 10% of dwelling limit) for policies issued or renewed after July 1, 2026.
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Address

2200 E Devon Avenue, Ste 357
Des Plaines, IL
60018

Telephone

+18478135511

Website

http://www.coachfinancial.com/

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