When pricing car insurance in Des Plaines, IL, selecting the best Des Plaines insurance agent for your needs is more difficult than just randomly choosing from the yellow pages. You require a good agent that listens to you, but also need cheaper car insurance prices.
Having so many options, it is hard for the average consumer to choose the cheapest provider.
Online quotes help locate Des Plaines agents
Good agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing rates online is the fact that you can find the lowest rates and still choose a local agent.
Upon completion of this quick form, your information is instantly submitted to participating agents in Des Plaines who will compete to get your business. You never need to drive around due to the fact that quote results will go directly to your email. It doesn’t get any easier! You can find better rates AND an agent nearby.
Deciding on an auto insurance agent needs to be determined by more than just the premium amount. Some important questions to ask are:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they have any clout with companies to ensure a fair claim settlement?
- What will you get paid if your car is a total loss? How is that amount determined?
- Can glass repairs be made at your home?
- Will your rates increase after a single accident?
- Did they already check your driving record and credit reports?
- How are claims handled?
If you wish to view licensed agents in Des Plaines, please view this page.
Upon getting positive responses for all questions you ask and an acceptable price quote, chances are good that you have found an insurance agency that can adequately provide car insurance.
Isn’t it cheaper to buy direct online?
Auto insurance agents are important to many people, but Illinois consumers also have the option to buy from companies direct over the internet. Certain companies like State Farm and Allstate that sell primarily through agents also let you get quotes and purchase online, and that is helpful and can also potentially find you lower rates.
If you’re worried about not having an insurance agent’s advice when buying online, this really isn’t an issue. All companies that require consumers to choose their own coverages give you access to trained agents for getting advice on proper coverages. They also make available 24/7 live help and a car insurance FAQ section to make it easier to purchase.
Are car insurance rates lower online? It’s difficult to provide an answer due to the fact that there are multiple individual factors that influence the price you pay. It’s logical to say that a customer who purchases direcly from an online company prevents the agent from taking a cut. In many cases, advertising and marketing take a lot of money and that can quickly cost more than paying an agent.
One last thing
Affordable car insurance is available on the web and also from your neighborhood Des Plaines agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.
While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. In many instances, drivers have reduced physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.
Even more information is available at the Illinois Department of Insurance website. Illinois drivers can read consumer alerts, find out industry alerts, and report car insurance fraud.