Top Tips to Find a Car Insurance Agent in Schaumburg

If you’re looking for a licensed insurance agent in Schaumburg, we recommend you start your search by comparing prices online instead of calling around. It’s assumed you not only want a great agent that can assess your needs, but you also want great rates as well.

With companies like American Family, Allstate, State Farm and Farmers all competing for business in Schaumburg, it’s hard to tell which provider will have the best rates, service and coverage. To begin, you can use online quoting to build a list of insurance agents and thier coverage prices.

Why do I need an agent?

Educated insurance agents can answer important questions and help submit paperwork. One of the great benefits of price shopping on the web is you may find the best rates but also keep your business local. Buying from local businesses is definitely important in Schaumburg.

By using this quick form, the coverage information is instantly submitted to companies in Schaumburg who will compete for your business. You never need to even leave your home 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 licensed agent to work with.

What type of Schaumburg auto insurance agent is right for you?

When searching for a good insurance agency, you must know there are a couple different agency structures from which to choose. Schaumburg agents are categorized either independent (non-captive) or captive.

Independent Insurance Agents

Independent agencies are not employed by any specific company so they can insure your vehicles with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.

When comparing rates, it’s recommended you contact at a minimum one independent agency to get the best comparison.Many can place coverage with different regional companies which can be an advantage.

Shown below is a list of independent agencies in Schaumburg willing to provide comparison quotes.

  • Bill Kaminski Agency – 120 W Golf Rd # 100 – Schaumburg, IL 60195 – (847) 882-9868
  • David G Kent Agency – 120 W Golf Rd # 100 – Schaumburg, IL 60195 – (847) 885-9981
  • Graig Larsen Agency – 1340 Remington Rd # M – Schaumburg, IL 60173 – (847) 490-0606
  • Burdick Insurance Svc – 20 Lunt Ave – Schaumburg, IL 60193 – (847) 895-2309
  • Barrington Insurance Group – 1450 American Ln # 1525 – Schaumburg, IL 60173 – (847) 517-7100
Captive Insurance Agents

Captive agents are contracted to one company such as Liberty Mutual, State Farm, Allstate and AAA. They are unable to shop your coverage around so keep that in mind. Captive agencies are well schooled on their company’s products which can be an advantage. Consumers often buy from captive agents partially due to the brand legacy and the convenience of having all coverages with one company.

The following are captive agencies in Schaumburg that are able to give price quotes.

  • Farmers Insurance Group – 830 E Higgins Rd # 111i – Schaumburg, IL 60173 – (847) 605-1900
  • Allstate Insurance – 109 S Roselle Rd # 203 – Schaumburg, IL 60193 – (847) 352-0222
  • American Family Insurance – 29 N Roselle Rd – Schaumburg, IL 60194 – (847) 885-9906

For a full directory of car insurance agents in Schaumburg, please view this page.

Deciding on an auto insurance agent shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Which company do they place the most coverage with?
  • Are claims handled at the agent’s location?
  • How are they compensated?
  • Do they specialize in personal lines coverage?
  • Is the agent and/or agency licensed to do business in Illinois?
  • Is working in the agency their full-time job?
  • Is assistance available after office hours?

After getting positive responses to your questions and an acceptable price quote, most likely you have located an auto insurance agent that is a good match to insure your vehicles.

But what about Progressive, Geico and other online companies?

Local insurance agents serve a purpose, but you can also find affordable Illinois auto insurance from online companies direct. Some companies who employ agents also allow you to buy online, so that should be considered if you prefer to buy online.

If you’re worried about not having an insurance agent’s advice, don’t be too concerned. Auto insurance companies all have toll-free customer service to answer your questions.

Are online rates lower? Whether or not you’ll save is impossible to say since there may be dozens of rate factors that impact your final bill. You may think that buying direct saves money by not requiring a commission. But in most cases, it’s expensive to advertise so rates may not be all that different from traditional agents.

More information is located on the Illinois Department of Insurance website found here. Illinois drivers can find disaster information, get help finding coverage, discover disciplinary actions, and file complaints about an insurance agent or broker.

Additional helpful sites include Wikipedia and this list of agents in Schaumburg, IL.

Schaumburg Illinois car insurance agent

More quotes mean more savings

Drivers who switch companies do it for a variety of reasons including policy non-renewal, poor customer service, being labeled a high risk driver or an unsatisfactory settlement offer. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.

Discount car insurance is available on the web and with local Schaumburg insurance agents, so you should compare both so you have a total pricing picture. Some companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.