Disclaimer: Accurate Auto Insurance is not affiliated with, endorsed by, or connected to Insure On The Spot in any way. Insure On The Spot is an independent, competing agency, and all names and marks referenced on this page belong to their respective owners. This page is published for informational purposes so Illinois drivers can shop with confidence, and it reflects publicly available information at the time of writing. Coverage options, rates, and locations change, so please confirm details directly with each agency. If you are currently insured through Insure On The Spot, we will do everything we can to beat your rate on comparable coverage.
Switch and Save: Insure On The Spot to Accurate Auto Insurance
Insured with Insure On The Spot and wondering if you are paying too much? Send us your policy. We will quote the same coverage, show you the difference in writing, and handle the switch — including your SR-22 — so there is never a gap.
If you drive in Illinois, you know the Insure On The Spot name. They have been advertising in Chicago since 1986, and they have earned that recognition. Accurate Auto Insurance has been writing Illinois policies since 1992 for many of the same drivers: SR-22 filings, suspended or revoked licenses, tickets, accidents, rideshare drivers, and people who need proof of insurance today. Both agencies are independent, and both shop a network of carriers rather than selling one company’s product. So the honest question is not which name you have heard more often. It is whether anyone has re-checked your rate lately — because on a non-standard policy, that is where the money is.
Why drivers switch to Accurate
Statewide, not just Chicagoland
- Eight Illinois offices: Oak Brook, Rockford, Peoria, Elgin, Joliet, South Holland, Oak Lawn and Chicago
- Insure On The Spot lists four offices, all in the Chicago area — nothing downstate or in the Fox Valley
- Move across town or across the state and you keep the same agency
Your policy follows you out of state
- We write in Illinois, Indiana, Wisconsin, Michigan, Ohio, Missouri, Texas, Arizona, Nevada, New Mexico, Mississippi and Pennsylvania
- Insure On The Spot is an Illinois agency
- Leaving the state should not mean starting over with a stranger
We re-shop your renewal
- Most non-standard policies get quoted once and then quietly renew
- We re-run your rate as tickets and accidents age off your record
- We will tell you when we cannot beat your current price
How to switch in three steps
STEP ONE
Send us your declarations page
It is the page listing your coverage limits. Photograph it and text or email it over. This is how we match your coverage exactly instead of quoting you something thinner and calling it a savings.
STEP TWO
We quote the same limits
We shop our carriers against what you are paying now and show you the difference in writing. No credit check, and every driving record is welcome. If Insure On The Spot already has you at the better price, we say so.
STEP THREE
We start you before you cancel
Your new policy goes active first, and we file any SR-22 electronically so your record never shows a gap. Then you cancel the old policy and the carrier refunds your unused premium.
You are not locked in. Auto insurance is not a lease. You can change carriers in the middle of a term, any day of the week, and the money you already paid for coverage you will not use comes back to you.
SR-22 and high-risk drivers
Most drivers comparing these two agencies are dealing with something specific: a court-ordered SR-22, a suspended or revoked license, a DUI, a lapse in coverage, or a string of tickets that sent the premium through the roof. Both agencies write these policies. What matters is the turnaround, and the price you are left paying once the filing is behind you.
- SR-22 filings submitted electronically to the Illinois Secretary of State — often the same day you call.
- Suspended, revoked, out-of-state or no license? None of that automatically disqualifies you, and we know which carriers price it reasonably.
- Non-owner SR-22 available if you need a filing but do not own a vehicle.
- Rideshare drivers — Uber and Lyft coverage handled without the guesswork.
- No credit check, and your documents and ID card are emailed to you as soon as you are covered.
- Tickets, accidents and lapses get re-shopped as they age off your record. Your rate should not be frozen at your worst year.
More than the minimum, if you want it
A switch is a good moment to look at what else is riding on one bill. Alongside auto, Accurate writes motorcycle, renters, homeowner’s and life coverage, and our I-Help Motor Club adds 24-hour roadside and travel service. If you have been carrying state-minimum liability because that is all anyone offered you, ask what raising your limits actually costs. On a lot of policies the answer is surprisingly little.
Get a side-by-side quote in minutes
Send us your current Insure On The Spot policy and we will quote the same coverage. If we cannot beat it, we will tell you.
Frequently asked questions
Is Accurate Auto Insurance the same company as Insure On The Spot?
No. Accurate Auto Insurance and Insure On The Spot are separate, unaffiliated companies. We are a direct competitor, and this page is published so Illinois drivers can compare the two before buying.
Can Accurate Auto Insurance beat my Insure On The Spot rate?
Often, yes — but not always, and we will not pretend otherwise. Both agencies shop multiple carriers, so the difference comes down to which carriers each of us places you with and how your record is presented. Send us your declarations page and we will quote identical limits. If Insure On The Spot already has you at the better price for the same coverage, we will say so.
Can I switch from Insure On The Spot in the middle of my policy term?
Yes. Auto insurance is not locked to a term the way a lease is. You can change carriers at any time, and the previous carrier refunds unused premium. We start your new policy first so you are never uninsured, which matters especially if you carry an SR-22.
Will switching create a gap in my SR-22?
Not if it is handled in the right order. We bind your new policy and file the SR-22 electronically with the Illinois Secretary of State before you cancel the old one. Cancel first and you risk a lapse, which can restart your filing period — so let us sequence it.
Do I get my money back from my old policy?
Yes. Once you cancel, the carrier refunds premium you paid for coverage you will not use. The refund comes from the carrier, not the agency, and it is prorated to your cancellation date.
Is there an Insure On The Spot office near Rockford, Peoria, Elgin or Joliet?
Not according to their published locations. Insure On The Spot lists four offices, all in the Chicago area. Accurate Auto Insurance has offices in Rockford, Peoria, Elgin and Joliet, plus Oak Brook, South Holland, Oak Lawn and Chicago — see all Accurate locations.
Do I have to visit an office to switch?
No. You can get quoted, sign and pay by phone or online, and receive proof of insurance electronically. If you would rather sit down with someone, our eight Illinois offices are open six days a week.
Advertising disclaimer: This page is advertising published by Accurate Auto Insurance. Accurate Auto Insurance is not affiliated with, sponsored by, endorsed by, or otherwise associated with Insure On The Spot. “Insure On The Spot” and any related names or marks are the property of their respective owners and are used here only to identify a competing agency for the purpose of comparison. Information about Insure On The Spot is based on publicly available sources believed accurate as of the last page update and may change without notice. Statements about savings are not a guarantee; rates depend on your driving record, vehicle, location, coverage selections and carrier underwriting. Coverage is subject to policy terms, conditions and exclusions. Last reviewed: July 2026.
