If you’re looking for a good insurance agent in Normal, Illinois, you can always begin your search by comparing prices online rather than looking in the yellowpages. For this article’s sake, it’s assumed you not only want a great agent that can assess your needs, but you also need affordable coverage.
With companies like Farmers, Allstate, and independent agents all competing for your business, it’s hard to tell which one will provide you with the lowest rates and best service. To help decide, you can use insurance quotes online in order to build a list of agents and price estimates.
Shop online but buy locally
Agents can help determine the best coverages and help you file claims. One of the best bonuses of comparing rates online is the fact that you can find better rates but still work with a licensed agent. Buying from local insurance agencies is important particularly in Normal.
To make it easy to find an agent, after completing this short form, your insurance coverage information is emailed to insurance agents in Normal who will return price quotes to get your business. You don’t have to visit any agencies as quotes are delivered to your email. How cool is that?! You can find the lowest rates and a licensed agent to work with.
If you want to view licensed agents in Normal, go to this page.
Picking a car insurance agent shouldn’t rely on just a cheap price. These questions are important to ask:
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do the companies they represent have a solid financial rating?
- Does the agency have a good rating with the Better Business Bureau?
- Will your rates increase after a single accident?
- Do they regularly work with personal auto policies?
After getting positive responses to these questions as well as a affordable price, you’ve probably found a car insurance agent that can properly insure your vehicles.
Can you buy online and save?
Licensed agents are important to many people, but Illinois car insurance can also be bought directly from online companies. Some car insurance companies like State Farm and Allstate who sell through the agent channel also give you the ability to quote and buy online. This is something to consider as an alternative to contacting agents.
If you’re anxious about not having an insurance agent’s advice when buying online, this is normal but is quickly overcome. Online car insurance companies that allow you to purchase coverage provide toll-free numbers to answer your questions.
Is pricing better online? The answer to that question is complicated since there are many things that are calculated into your premium. Common sense would say that buying directly from the company saves the cost of an agent commission. In many cases, the cost of constant advertising is expensive and that impacts the rates consumers pay.
Learn more about car insurance in Illinois
More information is available on the Illinois Department of Insurance website found here. Consumers can view agent and company licensing information, find disaster information, and find out which companies have the most complaints.
Quote more, save more
Cheap car insurance can be bought on the web as well as from independent agents in Normal, so compare prices from both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and these regional insurance providers work with independent agents.
As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. Too many times, consumers will sacrifice liability limits or collision coverage and learned later that it was a big error on their part. Your aim should be to purchase plenty of coverage at the best price while not skimping on critical coverages.