Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Decatur

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Decatur Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

48Reviewed

31Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
28 East 2nd Street, Pana, IL 62557
  • Multiple Carriers

Why choose this provider?

Since 1921, Siegert-Lees Insurance Services, LLC, has been offering personal and commercial insurance services to the residents of Decatur and surrounding communities. It offers auto insurance policies that cover cars, motorcycles, motorhomes, and classic vehicles. It also provides services such as business, farm, and life insurance, and identity theft protection. The company's owner, Michael Lees, has been in the business for over 27 years. He also holds a professional designation, Certified Insurance Counselor, a title for those who further their education in the insurance industry.

License Verified:

License: 100751537

Illinois Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (56)
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1212 East Pershing Road, Decatur, IL 62526
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Since 1996, Mike Mandrell, a State farm insurance agent, has been helping families in Decatur find appropriate coverages for their essential possessions. Mike offers an auto policy that can protect new or teen drivers in the family from damages and other liabilities when involved in an accident. Mike and his associates assist customers in managing their insurance spend. Mike and his team have 36 years of combined experience in the industry.

License Verified:

License: 2159717

Illinois Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (33)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2805 North Jasper Street, Decatur, IL 62526
  • Motorcyle & ATV

Why choose this provider?

The Floyd Insurance Agency is an independent company based in Decatur that offers coverages for single or multiple cars. The second-generation agency was established in 1970 and employs staff with a combined insurance experience of 30 years. Its team of agents analyzes the risks associated with each client's specific situation and provides an objective assessment of the market in order to come up with a list of prospective insurance coverages that they can choose from.

License Verified:

License: 100286037

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
1.3
Responsiveness
Friendliness
––
Helpfulness
Detail

Website
500 West Main Street, Decatur, IL 62522
  • Bundling Option

Why choose this provider?

Agency One Insurance & Real Estate is a car insurance agency located in Decatur. The company is composed of independent agents who conduct plan shopping among carriers, which is a time-saving service for clients. They offer coverage for all types of vehicles including cars, motorcycles, and trucks. The agency allows covering multiple vehicles even if they are not of the same type. This insurance company has been providing its services to the community for more than 20 years now. It also offers home and health insurance.

License Verified:

License: 1490455

Illinois Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (11)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
636 West Imboden Drive, Decatur, IL 62521
  • Bundling Option

Why choose this provider?

Richland Insurance Services assists car owners in Decatur in obtaining suitable insurance coverages. The firm carries insurance solutions for automobiles, boats, motorcycles, pets, and homeowners. Clients can receive comparative insurance quotes from the company's network of insurance carriers, including Hagerty, Erie Insurance, and Travelers. Auto insurance policyholders can obtain financial protection for losses associated with vehicle damage, injury liability, and related medical expenses. Founded in 2014, Richland Insurance Services adopts a consultative approach in meeting clients' insurance needs.

License Verified:

License: 100689345

Illinois Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (36)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
103 South Street, Street P.O. Box 110, Cerro Gordo, IL 61818
  • RV & Motorhome
  • Boats

Why choose this provider?

Chapman-Henricks Insurance Agency is an independent insurance business that has been serving Decatur and the surrounding communities since 1897. The local insurance agents from this firm offer personal insurance solutions, including life, health, disability, home, and auto. Its commercial division also provides workers' compensation, professional and property liability, commercial umbrella, and business auto insurance programs. Chapman-Henricks Insurance Agency works with clients to review and consider insurance products and utilize access to multiple insurance companies to deliver the products.

License Verified:

License: 100304134

Illinois Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
117 West Main Street, Clinton, IL 61727
  • Multiple Carriers

Why choose this provider?

Peterson Insurance Services is a locally owned independent insurance agency that services Decatur and the neighboring areas. Its professionals share more than 125 years of collective experience in the insurance industry, having furnished insurance policies for individuals, homeowners, car owners, commercial properties, businesses, and farms. The agency maintains close relationships with multiple insurance carriers, including Travelers, Auto-Owners Insurance, Great American Insurance Group, and Progressive. Peterson Insurance Services has been helping clients in Central Illinois with their insurance needs since 1966.

License Verified:

License: 100304629

Illinois Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    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.

  • What factors influence the amount of comprehensive coverage needed by Decatur drivers?

    The factors that play a role in determining the necessary comprehensive coverage for Decatur drivers encompass the value of their automobiles and potential repair or replacement expenses. Vehicles of higher worth may necessitate more extensive coverage to safeguard against significant financial burdens. Furthermore, medical payment provisions and rental car reimbursement can impact drivers' comprehensive coverage requisites.

  • How can Decatur residents seeking car insurance ensure the legitimacy of a company?

    Decatur residents seeking car insurance can ensure the company's proper licensing through the Department of Insurance Additionally, they ought to evaluate the firm's complaint history and comprehensively assess its financial stability to ascertain its ability to meet claims. These precautions offer policyholders increased peace of mind during unforeseen circumstances.

  • Is the required 25/50/20 minimum auto insurance coverage in Decatur enough for comprehensive protection?

    The required 25/50/20 minimum auto insurance coverage in Decatur may not offer comprehensive protection. In accidents where the fault is shared, such as rear-end collisions, liability can be divided. For example, if a driver is found 30% at fault, their $20,000 in losses could result in a $14,000 recovery. It is advisable to consider higher coverage for enhanced protection.

  • How should one start the claims process after a car accident in Decatur?

    One should start the claims process after a car accident in Decatur by promptly contacting their insurance company. The claims representative will gather information, initiate the claim, and request relevant documents like police reports or information from the other driver, if applicable. All these details are crucial and will be included in the claims report.

  • How does Decatur handle vehicle registration if the electronic verification of insurance fails?

    In Decatur, if a vehicle's insurance can't be electronically verified twice, the state may check if it was sold or stored. If still unverified, the vehicle owner gets a suspension notice. To lift this, either prove you have existing insurance or acquire insurance and pay a $100 fee. It's crucial for residents to keep their insurance details updated.

  • What is car insurance?

    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.