How to Get the Best Price from Cicero Auto Insurance Agencies

To find a good insurance agent in Cicero, Illinois, we recommend you begin your search by getting online comparison quotes in order to save time. The chances are good you not only want a highly trained agent, but also the lowest possible price.

With companies like American Family, Allstate, State Farm and Farmers all competing for business in Cicero, consumers have a hard time knowing which auto insurance agent will have the cheapest rates and the best coverage. To help decide, you can use online quoting to get a list of insurance agents from which to choose.

Car Insurance through a local Cicero agent

Professional agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing rates online is you may find lower rates but also keep your business local. Supporting local insurance agencies is important particularly in Cicero.

Once you complete this simple form, your insurance coverage information is transmitted to participating agents in Cicero who will give you bids to get your business. There is no need to drive around due to the fact that quote results will go immediately to your email address. It doesn’t get any easier!

Do you need an independent or captive auto insurance agent?

If you’re trying to find a good insurance agency, there are a couple of types of insurance agents that you can select. Insurance agencies in Cicero can either be independent (non-captive) or captive. Both properly insure your vehicles, but it’s worth mentioning the differences since it can impact buying decisions.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company but instead can place your coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies. When shopping rates, you should always get quotes from several independent insurance agents to ensure the widest selection of prices.

Shown below is a short list of independent agencies in Cicero who may be able to give you competitive price quotes.

Ecomex Auto Insurance Inc – 6129 W Cermak Rd – Cicero, IL 60804 – (708) 652-9752
A Guzman Insurance Agcy Inc – 5914 W 35th St – Cicero, IL 60804 – (708) 656-3270

Captive Insurance Agents

These agents can only place business with one company such as State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captives are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.

Shown below is a list of captive agencies in Cicero who can help you get price quote information.

Allstate Insurance – 6011 W 26th St – Cicero, IL 60804 – (708) 222-9200
American Family Insurance – 6013 W Cermak Rd – Cicero, IL 60804 – (708) 780-0400

For a full directory of captive agencies in Cicero, go to this page.

Picking an insurance agency needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

  • Which members of your family are coverage by the policy?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Did they already check your driving record and credit reports?
  • Which company do they place the most coverage with?
  • How long has their agency been open in Cicero?

Once you have good answers to any questions you have in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that is a good match to insure your vehicles.

What if I want to buy from an online company?

Insurance agents are perfect for certain consumers, but you also have the option of buying direct online. A few companies, such as Farmers Insurance and State Farm, who have local agents in Cicero also allow consumers to get a quote and buy online, and that can save time if you are the do-it-yourself type.

If you’re uncomfortable with not getting advice from an agent, that is quite common when buying online the first time. Online insurance companies have customer service departments for getting the best coverage.

Will you save money buying auto insurance online? Whether or not you’ll save is impossible to say since there may be dozens of rate factors that are calculated into your premium. It would make sense to think that purchasing direct online saves by not paying a commission. But the reality is advertising budgets are huge and that can cost more than having to pay agents.

quotes for Illinois insurance

The only method to determine if local insurance agents or online providers are cheaper is making fair comparisons of each of their rates. It’s possible to get different rates for the exact same company when using both online and agent quotes.

More information can be found on the website for the Illinois Department of Insurance through this link. Illinois consumers can find out which companies have the most complaints, file complaints about an insurance agent or broker, and download brochures.

Smart consumers save more

When shopping online for auto insurance, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where someone dropped collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, poor customer service, denial of a claim and even policy non-renewal. Whatever your reason, finding the right auto insurance provider is actually quite simple.