Searching for the cheapest insurance for a new or used Toyota Prius Prime in Illinois could be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to compare car insurance rates so we’re going to tell you the absolute fastest way to price shop coverage on a Toyota and locate the best price possible either online or from Chicago insurance agents.
Cutting your Chicago auto insurance rates is pretty simple and can save money. All that’s required is to spend a few minutes getting comparison quotes to find out which insurance company has cheaper Chicago auto insurance quotes.
The companies shown below can provide free rate quotes in Illinois. If multiple companies are shown, it’s highly recommended you visit several of them to get the best price comparison.
Situations that may require an agent’s advice
When it comes to a policy for your vehicles, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is unique and your auto insurance should be unique as well.
For instance, these questions could help you determine whether or not you would benefit from professional advice.
- Are my friends covered when driving my Toyota Prius Prime?
- What is GAP insurance?
- Can I make deliveries for my home business?
- What is high-risk coverage and where do I buy it?
- What are good deductibles for a Toyota Prius Prime?
- Do I get a pro-rated refund if I cancel my policy early?
- Are rock-chip repairs free?
If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.
Insurance agent or online?
Many drivers just want to get professional advice from a licensed agent and that is a smart decision Professional insurance agents can answer important questions and give you someone to call. The best thing about price shopping on the web is that you can obtain better rates but still work with a licensed agent.
After completing this quick form, the quote information is sent to local insurance agents in Chicago who will return price quotes for your business. You never need to leave your house as quotes are delivered directly to your email. If you want to get a price quote from a specific insurance company, just navigate to their website and give them your coverage information.
Choosing the best company should depend on more than just the price. A good agent in Chicago will have answers to these questions.
- Is coverage determined by price?
- How much training do they have in personal risk management?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they see any coverage gaps in your plan?
- Do they prorate repair cost based on vehicle mileage?
- Does the agency provide any after hours assistance?
- What is the financial rating for the quoted company?
- How much can you save by raising your physical damage deductibles?
If you want to buy auto insurance from local Chicago agents, it’s important to understand the types of insurance agents and how they can quote your rates. Auto insurance agents in Chicago can be categorized as either exclusive or independent. Either type can sell auto insurance policies, but it’s important to know how they differ since it could factor into which type of agent you select.
Exclusive Auto Insurance Agents
Exclusive agents are contracted to one company like Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agents are very knowledgeable on their products and sales techniques which helps offset the inability to provide other markets. Consumers often choose to use a exclusive agent partially due to high brand loyalty rather than low rates.
Below are Chicago exclusive insurance agents who may provide you with price quote information.
- Rhea Joyer – State Farm Insurance Agent
4911 N Lincoln Ave c – Chicago, IL 60625 – (773) 878-8883 – View Map
- Jim Mays Jr – State Farm Insurance Agent
4465 N Milwaukee Ave – Chicago, IL 60630 – (773) 282-1500 – View Map
- Vivian Valtas – State Farm Insurance Agent
6108 S Archer Ave – Chicago, IL 60638 – (773) 582-3322 – View Map
Independent Agencies or Brokers
These agents do not write with just one company and that is an advantage because they can write policies through many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to do anything. If you are comparing rate quotes, you absolutely need to compare quotes from multiple independent agents in order to have the best price comparison. Most independent agents also contract with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.
Shown below is a short list of independent insurance agents in Chicago that can give you price quotes.
- Urban Insurance Agency
800 W Huron St #301 – Chicago, IL 60642 – (312) 664-8088 – View Map
- Public Insurance Agency
3656 N Cicero Ave – Chicago, IL 60641 – (773) 725-9333 – View Map
- Zeiler Insurance Services, Inc.
3660 E 106th St – Chicago, IL 60617 – (773) 375-3600 – View Map