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PAGE 1-SF.CTION TWO-PLAINDEALER-AUGUST 20, 1975 The Shoppers Guide to Auto Insurance COSTS DIFFER GREATLY, SO 00 OTHER FACTORS By Herbert S. Denenberg Former Commissioner Pensylvania Insurance Dept. When buying automobile insurance, the premium is not the only thing to consider. Lower rates may mean only that a company can insure a person for less because it ac-' cepts only above average drivers who are likely to produce fewer losses. Some low-cost companies may try to shift customers into sub­ sidiaries where premiums are higher. In comparing policies, it is useful to know that auto in­ surance companies generally compete on five* fronts: variations ii^ policy coverage features, differences in types and quality of service, selec­ tivity in accepting policyholders, differences in non-renewal practices, and premium costs. Many companies offer a safe driver plan which provides low premiums to persons with perfect records. But if you slip once, the penalty can be stiff. One common policy of this type calls for a 40 per cent increase in premium if the insured is convicted of a traffic violation that brings license suspension or if the insured is in an ac­ cident involving property damage over $100 or any bodily injury. Point surcharges for accidents and violations vary from company to company. Policyholder's Rights Cancellation and non­ renewable practices also differ greatly. Some firms will drop a policy or refuse to renew it after an accident or loss of license. Other companies will guarantee renewal for five years except for loss of license or non-payment of premium. Many states have laws to protect a policy holder in case insurance is cancelled, not renewed or if coverage is refused. For example, under Penn­ sylvania law, if a driver's policy is cancelled, not renewed or refused, he has a right to ask the insurer to provide reasons in writing within 10 days of notification of refusal. The reasons must be supplied in five days. The driver may also ask the insurance com­ missioner to review the case. The law prohibits cancellation, non-renewal and refusal to write insurance based on age, occupation, neighborhood and certain other factors. Buying Advice In balancing the costs and features of new policies or reviewing old ones, the following tips may help save money: -If you have more than one car, you may save about 10 per cent by insuring all cars with the same company. -Sports cars and high- powered cars tend to carry extra premiums. -Stick to the coverage you need. Get rid of collision and comprehensive coverage on older cars if you can afford to pick up the losses. -Pay premiums yearly rather than on a shorter term. --Choose substantial deductibles. By going from full coverage to a $50 deductible on comprehensive insurance, you can sometimes cut premiums by 45 per cent. By taking $100 deductible, the saving may be as much as 56 per cent. By going from $50 to $100 deductible on collision in­ surance, you can reduce premiums by 15 per cent. By making $1,000 deductible, you can slash your premiums by about 79 per cent. Checking Dividends Dividend policy can also make a difference. But before choosing a company that pays dividends, check to see whether they have been paid regularly. The Pennsylvania Insurance Department found con­ siderable differences in costs of annual premiums among the largest 12 insurers of cars. For example, in Philadelphia, the total cost of a typical package varied from $348 to $544 per year for an adult operator of a 1972 Chevy Impala who has no accidents and commutes 20 miles a day to work in the city. The cost of the same coverage for a 19-year-old single female driving a 1972 Mustang convertible who has had one accident in three years and "no driver training varied from $516 to $842. If the driver of the Mustang is a 19-year-old male, however, the typical package cost per year would have ranged from a "low" of $1,083 from one company to $1,716 from another. Suburban rates tend to be slightly lower; rural rates are dramatically lower. No-fault insurance A new method of savings is no-fault auto insurance. It is designed to provide fast and adequate payments for financial losses regardless of who is at fault in an accident. Without a non-fault system, a motorists must worry about who is at fault, whether the insurance company is going to pay and whether it will take a court case to get paid for loss or injury. No-fault insurance would largely replace auto liability coverage, which accounts for about half of all premiums. In­ stead of buying liability coverage to protect other people you might hurt, you would buy protection for vourself. Liability coverage would be needed only for losses not covered by .no-fault insurance. Blue Cross is an example of no-fault insurance lor accident injuries. Collision coverage is an example of no-fault in­ surance for property damage. Under a no-fault plan, you could sue only for pain and suffering caused by very serious injuries such as disfigurement or permanent disability. Many states now have modified versions of no-fault insurance. But opposition from some lawyers' associations and insurance companies and associations has kept the idea from being adopted uniformly throughout the United States. This series is based on The Shopper's Guidebook to Life Insurance, Health In­ surance, Auto Insurance, Homeowner's Insurance, Doctors, Dentists, Lawyers, Pensions, Etc. by Herbert S. Denenberg. Consumer News Inc., Washington, D.C., 20045. 156 pp. $3.50. Deaths ANDREW A. WIATER Andrew A. Wiater, 70, 4709 Jeffrey, Whispering Hills, died Aug. 16 at McHenry hospital. He was born Nov. 6, 1904, in Poland.^ He is survived by his wife, Victoria, nee Kisiolek; his father, Albert, Chicago; two daughters, Mrs. Richard (Christina) Murdock, Stone Mountain, Ga., Mrs. James (Majjkaret) Iwanski, McH^ry; eight grand­ children; three sisters, Mrs. Edmund (Helen) Centella, Elmwood Park, Mrs. Kenneth (Lillian) Ottesen, Franklin Park, Mrs. Adam (Adeline) Przyborowski, Chicago; two brothers, Walter, Chicago, and John, Schiller Park. Visitation was held at the George R. Justen and Son funeral home. A funeral Mass was offered Tuesday at 12 noon at St. John's Catholic church with interment in the church cemetery. THEODORE GUYSER Theodore Guyser (Eddie Ray), 58, 715 W. Oeffling, Whispering Hills, died Aug. 16 in Memorial hospital, Wood­ stock. He was born May 5, 1917, in Johnsburg. Mr. Guyser, known professionally as Eddie Ray, was an organist for Cary Country club and played for the Grand Ole Opry for eighteen years. He was a member of the Johnsburg Community club. Survivors include his mother, Mrs. Anna Guyser of John­ sburg; and a brother, William, of Lakewood, Calif. He was preceded in death by his wife, Mary, in 1972; his father, Richard, in 1963; and a brother, Robert, in W W. II, in 1944. The body rested at the George R. Justen and Son funeral home. A Mass was offered Tuesday morning at 10 o'clock at St. John's Catholic church, with burial in the church cemetery. ONCE A YEAR! SAVE NOW! Aug. 20th thru 27th onnl' _«CC£SS0»l ABOVE GROUND FILTERS PORPOISE Reg. $11.95 Red. t Lochmvar HEATERS Were $283 SWINGTNG LOAFER •Was$119| l96fi XJ HURRY OVER! LAARS ABOVE GROUND HEATERS *295 Rid O Roy BUG KILLERS 1 5 % o f f ABOVE GROUND POOL COVERS Inf laUblM. toy*, game, cash & carry Reduced up to WEEKDAYS 8 A.M. to 6 P.M SAT. 9 A.M. to 3 P.M. SWIM CENTER &e*t /JtuuliQH. & £oh&, 9*tc. 3109 S. Rte. 31 Between Crystal Lake and McHenry 459-0660 Twice Told Tales FIFTY YEARS AGO with (Taken from the files of Aug. who 20,1925) The McGucken and Wander Heyden company was again the successful bidder for the paving contract on Pearl and Green streets, which was awarded this week. This contract covers paving from Pearl streeh from Park avenue to the Ringwood road and on Green street, from Elm street to St. Patrick's church in­ cluding all intersections on Washington street. Thirteen McHenry men will be out of work at the end of this week when the Borden milk plant in this city will discon­ tinue the bottling of milk, ex­ cept for use in this vicinity. The change will not effect the farmers all milk delivered to the Borden plant will be transferred to the Talman plant. The McHenry Fire depart­ ment announces a big benefit dance, Aug. 25 at Stoffel's hall. The Paradise Night Owls, the snappiest colored syncopajors out of Chicago, have been engaged to play for the dance. D. Smith of Volo is building a barn, 104 feet long, on his farm now rented by Ben Blasius. An agreement has been reached between Otto F. Sohm and the McHenry county right of way committee which will mean the completion of Route 20 through McHenry. The news of this settlement will be read joy by McHenry people have waited long and patiently for some wqrd which would mean the finish of the state road through this city. FORTY YEARS AGO (Taken from the files of Aug. 22,1935) The Junior college which will be a new feature of the local high school this year will open on Sept. 16 or 23, the exact date will be announced later. A pretty wedding was solemnized at St. Patrick's church Aug. 21 when Miss Bernice Weber and Bernard H. Freund were united in marriage Fr. William A, O'Rourke officiating. This week Walter Dietz, nephew of Ben Dietz of McHenry. caught an eight pound northern walleye pike. It was pork rine on a spinner hook that did the track the fish was caught in McCullom Lake. Seventy-five chickens were reported missing from the William Justen farm north of Ringwood last week. Howard Marshall, 10 year old son of John Marshall of Texas was killed when tons of earth and rock came tumbling down onto him while he was playing in a sand pit. Howard made his home here for several years with his aunt, Mrs. Varina Marshall. Earl Walsh, the new Sports Editor, is offering a prize for a name for his column. He will have a good baseball glove and bat for the winner. Tournament are being played on the high school tennis courts in a girls tournament just finished. Adele Froehlich and Dorothy Althoff went into the finals with Adele taking the match. TWENTY-FIVE YEARS AGO (Taken from the files of Aug. 31,1950) A tragic accident on the Northwestern line just north of Barrington on Sunday night Robert W. Wood of Chicago, its engineer was killed and Ed­ ward E. Pietschmann of Chicago, fireman, was critically scalded when the empty passenger train plowed into a freight train. The train was headed north to Williams Bay. Twenty models will take part in the children's style review which the Toddler shop is presenting at the Pistakee Yacht club sponsored by the Women's Activity Group. Two Richardson brothers are serving with armed forces, Sgt. Robert is stationed at Shaw air base, Sumpter, S C. Col. Walter is now starting his third year of a three year enlistment in the army. He is in Korea. An employee of the Terra Cotta plant, Ruudi Jarva, 41, an Estonian displace person, died of a heart attack Saturday at the plant on Rt. 31. The deceased had come to this area under the sponsorship of the Lutheran church society and had no known relatives. Among the many interesting and educational items on display at the Museum of Science and Industry and Chicago is an invention which organization in the mind of a local resident. Nelson L. Davis of Pistakee Bay. Called the "Heavy Media Process", the machine has attracted world wide attention of its unique and effective method of coal washing. It has been perfected by Mr Davis within the last three years. Local young men employed by him are Vale Adams. Robert Newkirk and Frank Johnson and Rudy Bryant of McCullom Lake. *^EN YEARS AGO (Taken from the files of Aug. 26, 1965) Thieves broke into the McHenry Gun center on Elm street and took more than one hundred and forty guns valued at between $12,000 and $15,000. A heart attack Aug. 21 claimed the life of Pauline G. (Polly) Adams, a business woman in McHenry for about thirty years before her retirement. She died at the age of 84 in her home on Waukegan street. Nancy Ann Achultz of McHenry was selected from five finalists who had won local and divisional Little Miss Peanut contest sponsored by the Chicagoland Kiwanians. She was sponsored by the McHenry Kiwanis club. Nancy Ann will reign as queen over a series of events during the coming month. Dick Anderson, McHenry, attended the conference for educational leaders at Bradley university, Peoria. Mr. An­ derson is a fifth grade teacher at Landmark school. Jane Richardson, Spring Grove. and Mary Lee Wright.Wonder Lake, were among eight dress revue winners at the McHenry County fair chosen to model at the Illinois State fair. Miss Kathleen Callaghan of Route 9, McHenry, was graduated from the St. Francis hospital School of Nursing in Evanston recently. Kathleen and Maureen Henri, along with Joyce Weber, returned recently from a trip to the British Isles, visiting Ireland, England. Scotland and Wales. Miss Muriel Frett was guest o f h o n o r S u n d a y a t c i ­ rri i.seel) aneous shower held at home. Hostesses were all the/ attendants in the forth Coming wedding. . * ON DE AN'S LIST Timothy D. Tonyan of McHenry, was listed on the Dean's list at Georgia Tech, Atlanta, Ga., for the spring quarter. To be eligible for the list, a student must compile grade point averages of 3.0 <B> or better. JUPITER Radio storms on Jupiter last for minutes at a time. Some calculations indicate they equal the energy of megaton hydrogen bombs exploding at the rate Of two every second. At any rate, Jupiter is the noisiest object in the solar system except for the WE RESERVE THE RIGHT TO LIMIT QUANTITIES ON SALE ITEli/IS. MERCHANTS Sale Beer Not Iced FffiE WINES AND LIQUORS PRICES EFFECTIVE AUGUST 20 THRU AUGUST 26 4610 W. RTE. 120 McHENRY, ILLINOIS # FOR % - . _ A . - - # FOR % 4 big fGrand Re-Opening Salet * big ^WEEKS! % WEEKS! 7-Up 8-16 oz. bottles Vodka Wolfschmidt Blended Scotch Whiskey t #"£9 Fifth Cutty Sark Plus Deposit Franzia Champagne &Cold Duck Seagrams Blended Whiskey Seven Crown CUTTY Mi?} blended SCOTS WH5KY $069 w Fifth Sen life 6-12 oz. Cans Brandy Christian Brothers $ 0 7 9 w Fifth $1 69 Fifth -ft Seagram* m Seagram's Canadian Whiskey gg V .O. $ 4 ' Dry Sack Sherry | A *3 99 Fifth FROM OUR WINE CELLAR llillllll! lililll ilpllli _ § f> 196? 7.49 * ^ - . 6 oz. Bag FRITO'S CORN CHIPS REG. 49c FOR THE PRICE OF REG. 49c 2 FOR THE 1 PRICE OF CANFIELD IHANLEY LAGER! MIXES 5/$i 00 Plus Deposit BEER 24-12 oz. Bottles CLIP AND REGISTER FREE drawing for ̂ 100 liquor baskets! Plus I Deposit L NAME ADDRESS. CITY 7 STATE PH. VISIT OUR CHEESE SHOP 4 6 1 0 W . R t e . 1 2 0 P H . 8 1 5 - 3 8 5 - 3 2 0 0