How to Find the Best Insurance Agent in Skokie

When searching for a good Skokie agent, it’s recommended you begin your search by getting online comparison quotes instead of making phone calls. You require a highly trained agent, but also need the lowest rates in Skokie.

Having so many online and local companies to choose from, it’s difficult to pick the lowest price insurance company.

Quote online, buy local

Professional agents are trained to spot inefficiencies and help you file claims. The best thing about comparing insurance prices online is you may find lower rates but still work with a licensed agent.

To find an agent, once you fill out this form (opens in new window), your insurance data is instantly submitted to companies in Skokie who will battle to get your business. You won’t need to drive around as quotes are delivered to the email address you provide. It doesn’t get any easier! It’s the lowest rates AND a local agent.

Deciding on a car insurance agent should depend on more than just the premium amount. These are valid questions to ask:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Can they provide you with a list of referrals?
  • Do they assist clients in filing claims?
  • Do they make recommendations based only on price?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do they feel the quoted coverages are adequate?

What types of car insurance agents are in Skokie?

When looking for local Skokie agents, you need to know there are two different agency structures to choose from. Agents are either independent or captive.

Captive Insurance Agents

Captive agents have only one company to place business with like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They generally cannot compare other company’s rates so keep that in mind. Captives are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a captive agent primarily because of high brand loyalty and strong financial ratings.

The following is a list of captive insurance agencies in Skokie that can give you rate quotes.

  • American Family Insurance – 4918 Dempster St – Skokie, IL 60077 – (847) 679-8338
  • Allstate Insurance – 8009 Kenton Ave – Skokie, IL 60076 – (847) 674-7000
Independent Agents (or Brokers)

Independent agencies are not locked into one company so they can insure your vehicles amongst many companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies.

When searching for an agent, it’s a good idea to include several independent insurance agents to have the most options to choose from. Many write coverage with smaller companies who may have lower rates.

The following is a short list of independent insurance agents in Skokie who can help you get price quotes.

  • Begley Insurance Group Inc – 5225 Old Orchard Rd – Skokie, IL 60077 – (847) 583-8960
  • Darrell Dixson Insurance – 9232 Skokie Blvd – Skokie, IL 60077 – (847) 677-2730
  • Bauer and Bauer Agency – 4153 Main St – Skokie, IL 60076 – (847) 679-7350
  • Al Haut Agency Inc – 5200 Main St # 200 – Skokie, IL 60077 – (847) 673-5473

For a full directory of licensed insurance agents in Skokie, please click here.

Upon getting good answers to your questions as well as a affordable price, you may have just found an insurance agency that meets your needs to insure your vehicles.

Buying car insurance direct is an option

Car insurance agents are important to many people, but you can also buy Illinois car insurance from online companies direct. Even companies, such as Farmers Insurance and State Farm, who sell through agents in Skokie also permit you to get a quote and buy online, so that should be considered if you are the do-it-yourself type.

If you’re concerned about not having an insurance agent’s advice, this is normal but is quickly overcome. Companies that require consumers to choose their own coverages all have toll-free customer service for getting the best coverage. Many online companies also provide a frequently asked questions page to clarify any questions you may have.

Is online auto insurance cheaper? Whether or not you’ll save is impossible to say because of the fact that insurance companies use many factors that influence your rates. It’s often assumed that buying direct saves the cost of an agent commission. But in most cases, getting their brand in front of customers is expensive and those expenses can offset most of the savings by selling direct.

Affordable insurance is out there

Affordable auto insurance can be found online as well as from independent agents in Skokie, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, policy cancellation, high rates after DUI convictions and lack of trust in their agent. No matter why you want to switch, finding a new auto insurance company can be pretty painless.

best Illinois agent

Informative consumer insurance sites

Even more information can be read at the Illinois Department of Insurance website. Visitors are able to read consumer alerts, discover disciplinary actions, and find out industry alerts.

Also read more on these car insurance answers and