Sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other Illinois consumers.
Amazlingly, a recent NerdWallet.com study showed that nearly 70% of customers kept their coverage with the same car insurance company for well over three years, and virtually 40% of consumers have never compared rates with other companies. Chicago drivers could save an average of almost $600 each year just by comparing rates, but they won’t spend time to find cheaper car insurance rates.
Popular companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with catchy ads and it is challenging if not impossible to avoid their marketing magic and effectively compare rates to find the best deal.
You should take the time to price shop coverage every six months since insurance rates trend upward over time. Just because you had the best deal on Honda Clarity insurance in Chicago a couple years back other companies may now be cheaper. You can search a lot of Clarity insurance online but in just a couple of minutes you can learn some guaranteed methods to save money.
If you currently have auto insurance, you will surely be able to lower your rates using this strategy. Locating the most cost-effective auto insurance policy in Chicago is not rocket science. But Illinois drivers must learn how companies determine premium rates and take advantage of how the system works.
To get affordable Chicago car insurance quotes, there a variety of ways to obtain and compare prices from lots of Illinois auto insurance companies. The easiest way to find the lowest Honda Clarity rates is to use the internet to compare rates.
Getting price quotes online is very simple and it replaces the need to make phone calls or go to and from local insurance agencies. The ability to buy insurance online eliminates the middleman unless you’re the type of person who wants the peace of mind that can only be provided by a licensed insurance agent. It is possible with some companies compare online quotes and have a local agent actually service the policy. Just keep in mind that more quotes will enable you to find better pricing.
The following companies are ready to provide free rate quotes in Illinois. If multiple providers are shown, we recommend you visit as many as you can to get the cheapest price.
Your auto insurance coverage should be tailored to you
When it comes to buying the best auto insurance coverage for your vehicles, there really isn’t a single plan that fits everyone. Everyone’s situation is unique.
Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.
- Am I covered if I hit my neighbor’s mailbox?
- Should I buy additional glass protection?
- Are my friends covered when driving my Honda Clarity?
- When should I remove comp and collision on my Honda Clarity?
- What are the financial responsibility laws in my state?
- Are my tools covered if they get stolen from my vehicle?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Buying from insurance agents
Certain consumers would rather talk to a local agent and that is just fine! One of the great benefits of getting free rate quotes online is that you can find the lowest rates and also buy local.
After completing this short form, your insurance data is transmitted to agents in your area who want to provide quotes for your insurance coverage. It’s much easier because you don’t need to search for any insurance agencies because prices are sent immediately to your email address. You’ll get the best rates AND a local agent. In the event you want to quote rates from a particular provider, you can always search and find their rate quote page and fill out the quote form the provide.
Selecting an provider should include more criteria than just the price. Any agent in Chicago should be willing to answer these questions.
- Are they primarily personal or commercial lines agents in Chicago?
- Is the agency covered by Errors and Omissions coverage?
- If they are an independent agency in Chicago, which companies do they recommend?
- Is there any savings for paying the full premium?
- Is the agent CPCU or CIC certified?
- Can they provide you with a list of referrals?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
If you want a reliable insurance agent, there are a couple of different types of agents that you can select. Insurance agents are considered either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
These type of agents normally can only provide a single company’s rates such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide other company’s prices so you need to shop around if the rates are high. These agents are usually well trained on what they offer which helps overcome the inability to quote other rates.
Listed below are exclusive agencies in Chicago that are able to give price quotes.
Independent Agents (or Brokers)
These type of agents are not required to write business for one company and that is an advantage because they can write policies with any number of different companies and get the cheapest rates. If your premiums go up, your policy is moved internally and that require little work on your part.
If you need cheaper insurance rates, it’s recommended you include price quotes from multiple independent agents for the best price selection.
The following is a short list of independent insurance agencies in Chicago who can help you get comparison quotes.
KSA Insurance Agency
7158 W Grand Ave – Chicago, IL 60707 – (773) 804-9000 – View Map
W.A. George Insurance Agency
155 N Michigan Ave #300 – Chicago, IL 60601 – (312) 729-5265 – View Map