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Best Local Car Insurance Agencies
2022

The Best Local Car Insurance Agencies
Here Are The Top Local Car Insurance Agencies
Insured ASAP Insurance Agency

Insured ASAP Insurance Agency

Insured ASAP Insurance Agency is an online broker that helps small businesses find various types of insurance, including car insurance. Its personalized service involves asking targeted questions to determine appropriate coverage and then pairing customers with multiple immediate quotes from leading commercial insurance carriers. Customers save time with Insured ASAP Insurance Agency because it provides the best available deals that suit their needs and budgets. It even strives to find affordable prices for those with less than perfect driving records.

Worth, IL 60482

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Website
Farmer Brown Insurance

Farmer Brown Insurance

Farmer Brown Insurance is a Chicago-based independent insurance agency that provides auto insurance solutions for individuals, families, and businesses throughout Illinois. Through its many insurance partners, the agency sources competing auto insurance policies for its clients and negotiates a price within their budget. It can arrange auto insurance coverage for single vehicles, multi-car families, and business fleets. As well as meeting minimum legal requirements, the agency can discuss appropriate add-ons to ensure its English and Spanish-speaking clients are fully covered.

Chicago, IL 60654

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Website
United Auto Insurance

United Auto Insurance

United Auto Insurance offers residents in Chicago personal and commercial car insurance coverage options including SR-22 insurance. Commercial insurance is available for taxis, tow trucks, limousines, couriers, delivery companies, florists, caterers, and work vehicles for roofers, electricians, and plumbers. Liability insurance coverage and increased liability limits are available. It offers discounts for multicar accounts, safe drivers, and account renewals. The company also provides homeowners and renters insurance and offers 24-hour roadside assistance.

Chicago, IL 60634

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Website
The Horton Group

The Horton Group

Founded in 1971, The Horton Group provides commercial automobile insurance to businesses of all sizes in the Chicago metro area. Whether clients have a small-scale operation or a full fleet of trucks, The Horton Group works with businesses to assess their risks, including automobile liability loss, workers' compensation claims, and equipment damage, to choose the best automobile liability solutions at the right price. Other coverage areas include commercial property, risk transfer, and professional liability.

Chicago, IL 60661

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Website
Clover Insurance Agency, Inc.

Clover Insurance Agency, Inc.

Clover Insurance Agency Inc. has been providing auto insurance to drivers in Chicago, Illinois, for more than 40 years. The company offers liability and full coverage auto insurance to new, teen, and elderly drivers, regardless of their driving record or driver's license status. Clover Insurance Agency Inc. also offers motorcycle insurance as well as rideshare insurance to individuals who work for transportation network companies such as Uber and Lyft.

Chicago, IL 60645

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Website
Concklin Insurance Agency

Concklin Insurance Agency

Concklin Insurance Agency, which was founded in 1993, serves the local people and businesses of Lombard, Illinois. It provides auto insurance policies that protect against legal liability in case of an accident, working with top-rated insurance underwriters that offer vehicle telematics programs. Commercial auto insurance is available for company-owned vehicles, and hired, non-owned auto insurance policies cover personal vehicles used for business. The company is a member of The Strategic Insurance Agency Alliance.

Lombard, IL 60148

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Website
Einsurance

Einsurance

Located in Chicago, Illinois, Einsurance is an independent insurance agency specializing in personal and business auto insurance. In partnership with a wide range of insurance carriers, the agency provides single and multi-vehicle policies, to coverage for whole fleets for business clients. The agency provides one-on-one unbiased advice and support, ensuring its customers receive the best coverage and understand what they are and aren't insured against. Einsurance also provides coverage for RVs, boats, motorcycles, and snowmobiles.

Chicago, IL 60601

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Website
Best Insurance Consultants, LTD

Best Insurance Consultants, LTD

Since 1952, Best Insurance Consultants Ltd has been offering auto insurance solutions to residents of the Chicago, Illinois area. Along with its partners, Erie Insurance, Safeco Insurance, Mercury Insurance Group, and Foremost Insurance Group, the company offers a variety of auto insurance options, including liability, no-fault, collision, and comprehensive coverage. Best Insurance Consultants Ltd offers policies for both standard and non-standard vehicles, such as boats, RVs, motorcycles, and off-road vehicles.

Schaumburg, IL 60173

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Website
AMA Insurance Agency

AMA Insurance Agency

AMA Insurance Agency is a brokerage firm based in Chicago, Illinois, providing numerous insurance solutions to clients in the area and the surrounding counties. Founded in 1988, the firm offers competitively-priced home and auto insurance coverage exclusively for physicians. Liberty Mutual, a leading insurance carrier in the state, underwrites the firm's insurance policies. The agency also provides life and disability insurance products, and clients can get a quick, free, and no-obligation quote online or by phone.

Chicago, IL 60611

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Website
Select Insurance Group

Select Insurance Group

Select Insurance Group was founded in 2002 to provide auto insurance coverage to high-risk drivers in the metro Chicago, Illinois, area. Its licensed specialists offer SR-22 financial responsibility insurance policies to drivers who have been stopped for reckless driving, driving without insurance, or having a suspended or expired license. The agency sells SR-22 auto insurance with limited liability coverage per Illinois' state requirements. Select Insurance Group offers affordable rates and has multiple offices throughout the country.

Chicago, IL 60606

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Website

Expert Answers To Common Questions:

  1. Introduction
  2. What is car insurance?
  3. How does car insurance work?
  4. What does car insurance cover?
  5. Does car insurance cover theft?
  6. How does a car insurance deductible work?
  7. Do you need insurance to register a car?
  8. Can you get car insurance without a license?
  9. Do you need car insurance?
  10. How much is car insurance a month?
  11. Why is my car insurance so high?
  12. How can I get lower car insurance?
  13. Do you need insurance to rent a car?
  14. Does my car insurance cover rental cars?
  15. Can I insure a car not in my name?
  16. Can you cancel car insurance at any time?
  17. How can I change car insurance?
  18. How do you become a car insurance agent?
  19. How do car insurance agents get paid?
  20. How much do car insurance agents make?
Q: Introduction
A:
A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
Q: What is car insurance?
A:
Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.
Q: How does car insurance work?
A:
Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.
Q: What does car insurance cover?
A:
Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.
Q: Does car insurance cover theft?
A:
Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.
Q: How does a car insurance deductible work?
A:
A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.
Q: Do you need insurance to register a car?
A:
Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.
Q: Can you get car insurance without a license?
A:
In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.
Q: Do you need car insurance?
A:
Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.
Q: How much is car insurance a month?
A:
Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.
Q: Why is my car insurance so high?
A:
Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.
Q: How can I get lower car insurance?
A:
Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.
Q: Do you need insurance to rent a car?
A:
In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.
Q: Does my car insurance cover rental cars?
A:
Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.
Q: Can I insure a car not in my name?
A:
In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.
Q: Can you cancel car insurance at any time?
A:
In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.
Q: How can I change car insurance?
A:
Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.
Q: How do you become a car insurance agent?
A:
In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.
Q: How do car insurance agents get paid?
A:
Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.
Q: How much do car insurance agents make?
A:
Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.