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2024

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Best Local Car Insurance Agencies in Bloomington, IL

Our Recommended Top 4

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 Bloomington 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

30Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2416 East Washington Street, Bloomington, IL 61704
WebsiteLicense: 100288428

Expertise.com Rating

Review Sources

Google
4.9 (61)
Yelp
5.0 (1)

Why choose this provider?

Eden Insurance and Financial Services is an independently owned, full-service insurance agency in Bloomington that offers car insurance options. It is licensed in six states and its staff has over 40 years of combined industry experience. Some of the auto insurance carriers that Eden Insurance represents are Dairyland Auto, Chubb, Hagerty, Mile Auto, State Auto, and Kemper. The company's agents aim to help clients in crafting customized car insurance policies with coverages that can give them adequate protection.

  • Boats
  • Motorcyle & ATV

139 North Williamsburg Drive, Bloomington, IL 61704
WebsiteLicense: 100285077

Expertise.com Rating

Review Sources

Google
4.7 (11)

Why choose this provider?

P/L/R Insurance, which is located in Bloomington, offers a wide range of risk management solutions, including auto insurance. The company creates insurance plans that may cover vehicle damage resulting from collisions and non-accident causes like fire or theft. Its agents work with different carriers such as Auto-Owners Insurance, The Hartford, and Travelers to provide clients with insurance options. P/L/R Insurance traces its roots back to 1969 when its founders, Jim and Jackie Petrov, started offering insurance from their Tremont home.

  • Boats
  • Motorcyle & ATV

3807 General Electric Road, Bloomington, IL 61704
WebsiteLicense: 100299913

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (19)

Why choose this provider?

Miller Insurance is an insurance company serving the residents of Bloomington. Established in 1949 by Clyde Miller in his basement, the company offers all types of auto insurance involving liability, medical payments, and comprehensive coverage. Clients needing both comprehensive and collision can avail of the company's full coverage insurance. Servicing over 6,000 policies annually, Miller Insurance continues to serve farms, businesses, and individual clients locally and internationally with its life, home, health, farm, and business lines.

  • Multiple Carriers

1 Brickyard Drive, Bloomington, IL 61701
WebsiteLicense: 100302681

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Snyder Insurance offers auto insurance options to its clients in Bloomington, Springfield, Nashville, and Champaign. The service provider shoulders legal fees, medical bills, and car repair expenses caused by accidents and other covered events. Its agents also offer property damage liability, the coverage that pays for damages done to a third party's property. Owner and Vice President Charlie Farner earned the title Certified Insurance Counselor in 1995. He is also a member of the McLean County Chamber of Commerce.

  • Bundling Option

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Eden Insurance and Financial Services
2416 East Washington Street, Bloomington, IL 61704
P/L/R Insurance - Bloomington
139 North Williamsburg Drive, Bloomington, IL 61704
Miller Insurance Agency - Bloomington
3807 General Electric Road, Bloomington, IL 61704
Snyder Insurance - Bloomington
1 Brickyard Drive, Bloomington, IL 61701

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.

  • How can Bloomington residents with insurance difficulties access the Illinois Auto Insurance Plan?

    To be eligible for the Illinois Auto Insurance Plan, you need a rejection from other insurers, hold a legitimate driver's license or be in line to obtain one, be clear of unpaid premiums from the last 36 months, and ensure your automobile is roadworthy. This plan is recommended for Bloomington residents who cannot obtain regular car insurance due to their driving history or vehicle type.

  • How do auto insurance companies handle vehicle replacements if one's car is totaled in Bloomington?

    If an insurer in Bloomington decides to replace your vehicle, the substitute should match the quality and type of your totaled car. Acquisitions must occur through licensed dealers, and vehicles under three years old need warranties. If you decline the replacement, the insurer pays the equivalent replacement value, covering relevant fees and taxes. The responsibility lies on the company to propose, and you to refuse, the replacement.

  • If you buy a car from your friend in Bloomington, will their insurance provide you coverage if you are still processing yours?

    Do note that you cannot insure a possession you do not legally own, which means your friend's insurance policy will not provide you with coverage once you receive the title to their former vehicle. Prior to driving your newly acquired vehicle, it's imperative to wait for your own car insurance in Bloomington to kick in.

  • How does underinsured protection function in Bloomington when injury costs surpass the liable driver's insurance limit?

    In Bloomington, underinsured protection automatically activates when injury expenses surpass a culpable driver's insurance maximum. Imagine your damages amount to $50,000, but the driver's coverage offers only $25,000. If your underinsured limit equals or exceeds $50,000, it can fill the $25,000 deficit. Conversely, with a limit of $25,000 or below, you won't obtain extra funds. This emphasizes the importance of ample underinsured coverage.

  • When renting a vehicle in Bloomington, how do you determine if your insurance is enough or if you should opt for the rental agency's offer?

    In Bloomington, if a traveler possesses collision and comprehensive coverages, they may sidestep the rental agency's insurance. However, personal policies might exclude specific costs, such as daily rental fees during repairs, vehicle replacement, appraisal costs, and diminished resale value after an accident. Those without both coverage types should secure the rental agency's protection.

  • 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.