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Best Local Car Insurance Agencies in Springfield

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ALF Insurance logo
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License Verified:

License: 100300206

Illinois Department Of Insurance

ALF Insurance

127 North Grand Avenue East, Springfield, IL 62702
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

ALF Insurance is an independent insurance agency providing auto insurance in Springfield since 1997. For more than 20 years, the locally owned and operated company has been offering full coverage, collision, comprehensive, and liability coverage that protects the car against financial losses caused by fire, theft, random acts of violence, vandalism, and other covered circumstances. Dedicated to providing intelligent insurance solutions that fit clients' needs, the agency also offers DUI, RV, boat, motorcycle, and scooter insurance.

License Verified:

License: 100300206

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.
4.2
Google
4.2 / 5 (96)

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
Bailey Family Insurance logo
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License Verified:

License: 100785994

Bailey Family Insurance

1625 South 6th Street, Springfield, IL 62703
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Bailey Family Insurance is a multi-line insurance company that serves the Springfield metro area and the surrounding localities. Operating since 2017, the family-owned agency assists individuals, families, and businesses in obtaining adequate protection for their financial and vehicle assets through auto insurance. Its agents shop for coverage options from over 30 insurance providers. Some of the selections they offer include bodily injury liability, property damage, comprehensive, collision, and uninsured/underinsured motorist coverage. Clients have commended the firm for its friendly and outstanding service.

License Verified:

License: 100785994

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 (263)
Facebook
5.0 / 5 (88)

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
Blue Oak Insurance Agency logo
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License Verified:

License: 3000491996

Illinois Department Of Insurance

Blue Oak Insurance Agency

3000 Happy Landing Drive, Springfield, IL 62711
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  • Multiple Carriers

Business Description

Blue Oak Insurance Agency serves the insurance needs of individuals, families, and businesses in Springfield and all of Illinois. Its professional agents help vehicle owners obtain car insurance policies that will support them financially in the event of an automotive emergency. They work with more than 30 carriers to find plans that will meet the needs, expectations, and priorities of their clients. In addition to standard auto, Blue Oak Insurance Agency also insures motorcycles, RVs or motorhomes, and boats.

License Verified:

License: 3000491996

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 (73)
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
Forsyth Insurance Group, Inc. logo
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License Verified:

License: 100302133

Illinois Department Of Insurance

Forsyth Insurance Group, Inc.

430 East Vine Street, Springfield, IL 62703
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  • Multiple Carriers

Business Description

Forsyth Insurance Group Inc. is an independent insurance agency based in Springfield that offers insurance solutions to residents in the metro. It was formed in 1946 by Dan Forsyth and has since provided various personal and business insurance products, including its auto insurance policies that protect against liabilities, property damages, and medical expenses. Forsyth Insurance Group is committed to forming lasting relationships with clients through excellent service and 24/7 customer support.

License Verified:

License: 100302133

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.
4.4
Google
4.4 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Freeway Insurance - Springfield logo
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License Verified:

License: 100301630

Illinois Department Of Insurance

Freeway Insurance - Springfield

1728 South 6th Street, Springfield, IL 62703
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  • Multiple Carriers

Business Description

Freeway Insurance - Springfield is a privately-held insurance distribution company that has been providing several insurance choices for customers since 1987. Its car insurance agents are dedicated to helping individuals, families, and businesses select an insurance policy for their needs at a price that suits their budget. The policy protects the policyholder against financial losses in the event of an accident. Freeway Insurance also offers basic to premium insurance for homeowners, telemedicine, watercraft, and identity theft.

License Verified:

License: 100301630

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.
4.0
Google
4.7 / 5 (82)

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
Goodenow Insurance Agency - Springfield logo
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License Verified:

License: 100304393

Illinois Department Of Insurance

Goodenow Insurance Agency - Springfield

719 North Grand Avenue East, Springfield, IL 62702
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  • Boats
  • Motorcyle & ATV

Business Description

Goodenow Insurance Agency maintains multiple office locations in Illinois, including one in Springfield. The full-service independent insurance agency has been providing individuals, families, drivers, and businesses a variety of insurance solutions since 1998. Its services include auto, home, personal, business, life, and health insurance. Group benefits and insurance products for employees and seniors are also available. The insurance professionals at Goodenow Insurance Agency share more than 100 years of experience in the insurance industry.

License Verified:

License: 100304393

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.
4.4
Google
4.6 / 5 (21)
Facebook
4.3 / 5 (9)
Yelp
1.0 / 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
Goodman Agency, Inc. logo
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License Verified:

License: 100302794

Illinois Department Of Insurance

Goodman Agency, Inc.

230 East Main Street, Carlinville, IL 62626
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Goodman Agency, Inc. is an independent insurance solutions provider and real estate broker that serves the Springfield metro. The agency's team of insurance agents helps clients choose the best option to protect themselves and their cars from unexpected expenses, covering liabilities, damages, and collisions. They also provide other services, such as windshield repair, 24-hour customer service, and damage repair. With 40 years of experience in the industry, Goodman Agency values its staff's expertise, accountability, availability, and community relations.

License Verified:

License: 100302794

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
4.5 / 5 (57)

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
Lee/O'Keefe Insurance Agency, Inc. logo
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License Verified:

License: 2140515

Illinois Department Of Insurance

Lee/O'Keefe Insurance Agency, Inc.

2501 Chatham Road, Springfield, IL 62704
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  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Lee/O'Keefe Insurance Agency, Inc., is a full-service insurance management company that caters to the car insurance needs of individuals and businesses in Springfield. The firm assists car owners, motorists, and commercial operators in selecting the right auto insurance policy for their needs and resources. As an independent insurance agency, its agents represent multiple carriers that can provide a variety of coverage options, including liability, medical, uninsured motorist, towing, and rental car coverage. The company values ethical standards and long-term relationship building with all of its clients.

License Verified:

License: 2140515

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 (2)

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
Prairie State Insurance Agency, Inc. logo
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License Verified:

License: 2120112

Illinois Department Of Insurance

Prairie State Insurance Agency, Inc.

430 East Vine Street, Springfield, IL 62703
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Prairie State Insurance Agency, Inc. is an independent insurance company that assists the people of Springfield with their insurance needs 24/7. Its associates work closely with dozens of carriers to be able to provide motorists with various quotes for car insurance policies that will match their specific needs, preferences, and individual risks. Options typically cover protections for liability, property damage, and medical payments. Prairie State Insurance Agency also offers insurance plans for motorcycles, boats, and other watercraft.

License Verified:

License: 2120112

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 (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
Russ Ramsey logo
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License Verified:

License: 3000165778

Illinois Department Of Insurance

Russ Ramsey

3255 West Iles Avenue, Springfield, IL 62711
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  • Bundling Option

Business Description

Russ Ramsey is a Springfield-based agent that operates his own agency under State Farm. Together with his team, Ramsey creates various types of protection plans such as auto insurance. This may include any of the following coverages: collision, liability, medical payments, uninsured motorist, emergency road service, and rideshare driver. Ramsey, who is a member of the National Association of Insurance and Financial Advisors, carries over four decades of industry experience. He entertains both English and French-speaking clients.

License Verified:

License: 3000165778

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
Facebook
5.0 / 5 (4)

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
The Group Insurance Agency logo
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License Verified:

License: 100288673

Illinois Department Of Insurance

The Group Insurance Agency

7006 Kings Mill Court, Springfield, IL 62711
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  • Boats
  • Motorcyle & ATV

Business Description

The Group Insurance Agency is a Springfield-based, full-service independent insurance agency offering auto insurance covering clients' financial responsibility for injuring others and coverage for the car itself for financial losses caused by fire, theft, natural causes and disasters, random acts of vandalism or violence, and other covered events. Policies also cover medical payments and physical damage. Representing multiple insurance carriers, the agency provides a personalized approach to help clients find the best coverage. Cowan Insurance Agency also offers business, home, and life insurance.

License Verified:

License: 100288673

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 (54)
Facebook
4.8 / 5 (16)

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
ynagency.com logo
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License Verified:

License: 2090901

Illinois Department Of Insurance

ynagency.com

111 West Washington Street, Springfield, IL 62353
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  • Bundling Option

Business Description

Yingling & Nuessen Insurance Agency has over four decades of experience addressing the insurance needs of Springfield residents. The firm's auto insurance agents assist car owners in obtaining multiple quotes for coverage option comparisons. They build insurance proposals with companies such as Progressive, Travelers, and Badger Mutual Insurance. In addition, they carry home, business, health, and life insurance. Yingling & Nuessen Insurance Agency maintains 12 offices in southern and central Illinois. This firm seeks to create trustworthy client relationships.

License Verified:

License: 2090901

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 (6)

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
Back to Providers

Frequently Asked Questions

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 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.

How does car insurance work?

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.

What does car insurance cover?

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.

Does car insurance cover theft?

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.

How does a car insurance deductible work?

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.

Do you need insurance to register a car?

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.

Can you get car insurance without a license?

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.

Do you need car insurance?

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.

How much is car insurance a month?

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.

Why is my car insurance so high?

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.

How can I get lower car insurance?

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.

Do you need insurance to rent a car?

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.

Does my car insurance cover rental cars?

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.

Can I insure a car not in my name?

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.

Can you cancel car insurance at any time?

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.

How can I change car insurance?

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.

How do you become a car insurance agent?

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.

How do car insurance agents get paid?

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.

How much do car insurance agents make?

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.

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