To locate a good insurance agent in Tinley Park, Illinois, you can do an initial search for an agent online instead of making phone calls. There is a good chance you’re looking for a decent agent, but you also want great rates as well.
With American Family, Allstate, State Farm and Farmers all competing for business in Tinley Park, consumers have a hard time knowing which insurance agency will have the cheapest rates and the best coverage. To begin, it’s easy to use online quoting in order to build a list of insurance agents from which to choose.
Save time by quoting online
Agents can help determine the best coverages and give you someone to call. One of the best bonuses of comparing rates online is you can get lower rates and still choose a local agent. Supporting small agencies is especially important in Tinley Park.
For easy comparison, once you complete this short form, the quote information gets sent to local insurance agents in Tinley Park who will battle for your insurance coverage. You won’t need to visit any agencies 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 a local agent.
Do you need an independent or captive insurance agency?
If you’re trying to find an insurance agent, there are a couple of types of insurance agents that you can select. Agents are categorized either independent or captive.
Independent Agencies or Brokers
Independent agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and that require little work on your part. When comparing rates, we recommend you include price quotes from several independent insurance agents to get the best comparison. Many write coverage with different regional companies who may have lower rates.
Shown below is a short list of independent insurance agents in Tinley Park that may be able to provide pricing information.
- Country Co Insurance – 17732 Oak Park Ave – Tinley Park, IL 60477 – (708) 633-6491
- Certified Insurance Svc – 16335 Harlem Ave – Tinley Park, IL 60477 – (708) 425-7775
Captive Agents
Captive insurance agents can only write with one company and examples are Farmers Insurance or State Farm. Captives cannot give you multiple price quotes so it’s a take it or leave it situation. These agents are very knowledgeable on the products they sell which can be an advantage. Some consumers prefer to purchase coverage from captives partially due to loyalty to the company and the convenience of having all coverages with one company.
The following is a short list of captive insurance agencies in Tinley Park willing to provide price quotes.
- Farmers Insurance Group – 16575 Oak Park Ave # 200 – Tinley Park, IL 60477 – (708) 633-0035
- Allstate Insurance – 16575 Oak Park Ave # 225 – Tinley Park, IL 60477 – (708) 429-1802
For a full directory of captive agencies in Tinley Park, simply jump to this page.
Selecting an insurance agency needs to be determined by more than just a low price. Some important questions to ask are:
- What is the agency’s Better Business Bureau rating?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are claim adjusters local or do you have to take your car somewhere else?
- How are they compensated?
- Does the company allow you to choose your own collision repair facility?
- How much can you save by raising your physical damage deductibles?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- What are the financial ratings for the companies they represent?
Once you have received acceptable answers for all questions you ask as well as a affordable price, chances are good that you have found an insurance agency that will properly service your auto insurance policy.
Include online companies when price shopping
Local insurance agents are important, but you also have the option of buying Illinois car insurance from online companies direct. Some car insurance companies like Allstate and State Farm who have local Tinley Park agents also give you the option to quote and buy online, and consumers should do that if you are the do-it-yourself type.
If you’re anxious about not getting advice from an agent when buying online, don’t sweat it. Online insurance companies provide customer service to walk you through the process. They also offer live chat and online tools so buying online is not difficult.
If the best price is important to you, the most effective way to determine where you can get the lowest rate, either online or from agents, is to get price quotes for both. You may actually get a different price when comparing quotes online and from an agent for the same auto insurance company. But you can’t find out which has the best rates without quoting identical coverages using both methods.
Is it cheaper to buy online? The answer is complex due to the fact that there are many factors that influence how your policy is priced. You may think that going direct reduces premiums because there is no agent. For the majority of companies, however, getting their brand in front of customers is expensive and that can cost more than having to pay agents.
Quote often and quote early
When shopping online for auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at the best price while still protecting your assets.
People change insurance companies for a variety of reasons including delays in paying claims, policy cancellation, unfair underwriting practices or even poor customer service. Regardless of your reason for switching companies, finding a new company is easier than you think.
More sites with auto insurance information
More information is located on the Illinois Department of Insurance website found here. Illinois drivers can view agent and company licensing information, learn about insurance regulations, and find a variety of consumer forms.
