Free Guide to Searching Online for an Elgin Auto Insurance Agent

When pricing car insurance in Elgin, IL, selecting the best Elgin auto insurance agent for your needs takes more work than just randomly choosing from the yellow pages. You require a good agent, but also need decent rates too.

There are many insurance agents to buy insurance from, and although it’s a good thing to have multiple companies, it can be more challenging to find the best rates.

When might I need the advice of an agent?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that. These are some specific questions might point out if you might need professional guidance.

  • When should I remove comp and collision on my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Does liability extend to a camper or trailer?
  • Does my vehicle need full coverage?
  • Why is insurance for a teen driver so high in Elgin?
  • What is covered by UM/UIM coverage?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent.

Neighborhood insurance agents

Good agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates and still choose a local agent.

To help locate an agent, after submitting this short form, your information is sent to companies in Elgin who will return price quotes for your business. You won’t need to leave your computer due to the fact that quote results will go to the email address you provide. How cool is that?! Get lower rates and an insurance agent to talk to.

Choosing an auto insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:

  • If your car is totalled, how to they determine the replacement cost?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they regularly work with personal auto policies?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How long has their agency been in business in Elgin?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • What are the financial ratings for the companies they represent?

Listed below are agents in Elgin that are able to give price quote information.

Allstate Insurance – 1362 Manor Ct, Elgin, IL 60123 – (847) 488-1810
State Farm Insurance – 1510 Larkin Ave # A, Elgin, IL 60123 – (847) 888-8050
All American Insurance – 1098 Dundee Ave, Elgin, IL 60120 – (847) 353-5454
Menner Reinsurance Agency Inc – 1275 Davis Rd, Elgin, IL 60123 – (847) 697-1705
Farmers Insurance Group – 339 W River Rd # 202, Elgin, IL 60123 – (847) 697-9800
Magnum Insurance – 302 S Mclean Blvd # B, Elgin, IL 60123 – (847) 608-7260

Once you have received positive feedback for all questions you ask and a low price estimate, you may have just found an insurance agent that meets your needs to insure your vehicles.

Are online companies an option?

Professional insurance agents are important to many people, but Illinois consumers also have the option to buy direct from companies online. A few companies like State Farm and Allstate that are more known for using agents, also give you the ability to buy online, so this should also be taken into consideration if finding the best price is important.

If you’re uneasy about not getting proper coverage when buying online, don’t sweat it. Insurance companies that require consumers to choose their own coverages all have client service departments to help you decide which coverages are appropriate.

Does car insurance cost less online? It’s difficult to provide an answer because of the number of factors that influence the price you pay. Some people will tell you that buying directly from the company saves the cost of an agent commission. In reality, it’s expensive to advertise and that can quickly cost more than paying an agent.

More detailed Illinois car insurance information can be read at the Illinois Department of Insurance website. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and read industry bulletins.

Other related articles:

Elgin Illinois insurance agency

Final considerations

When buying insurance coverage, you should never buy less coverage just to save a little money. There have been many situations where an accident victim reduced full coverage and learned later that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford.

Low-cost car insurance is definitely available both online and also from your neighborhood Elgin agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and these regional insurance providers work with independent agents.