When trying to find a licensed insurance agent in Wheaton, you can always do the preliminary legwork by comparing rates online instead of making phone calls. There is a good chance that not only do you want a professional agent, but you also want great rates as well.
With insurance companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it’s difficult to determine which car insurance agent will give you the lowest rates and best service. Thankfully, consumers can get online quotes to get a list of agents from which to choose.
Compare Wheaton agent rates online
Educated insurance agents can point out coverage gaps and help you file claims. One of the great benefits of comparing rates online is the fact that you can find lower rates and still have an agent to talk to. And supporting local businesses is definitely important in Wheaton.
After filling out this form (opens in new window), your insurance data is transmitted to local insurance agents who will return price quotes for your business. You won’t need to drive around due to the fact that quote results will go to your email. Now that’s easy! Get lower rates AND an agent nearby.
Wheaton insurance agencies are either independent or captive
If you’re trying to find a good Wheaton insurance agent, you need to know there are two different types of agents to choose from. Agencies in Wheaton can either be independent (non-captive) or captive.
Independent Agents (or Brokers)
Independent agents are not locked into one company but rather can write business amongst many companies enabling the ability to shop coverage around. 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, we recommend you include price quotes from at least one independent agent to get the best comparison.Most can insure with lesser-known insurance companies who may have lower rates.
Shown below is a short list of independent agencies in Wheaton who can help you get price quotes.
- Cornerstone Insurance and Fncl – 212 S Main St – Wheaton, IL 60187 – (630) 681-8080
- A Thee Insurance Shoppe – 1517 E Roosevelt Rd – Wheaton, IL 60187 – (630) 752-9100
- Bob Le Donne Agency – 610 E Roosevelt Rd # 102 – Wheaton, IL 60187 – (630) 668-2110
Captive Insurance Agents
This type of agents write business for a single company like AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to provide prices from multiple companies so keep that in mind. Captive agents are trained well on the products they sell and that can be a competitive advantage. Some people will only purchase coverage from captives primarily because of high brand loyalty and solid financial strength.
Below are captive agencies in Wheaton who can help you get price quote information.
- Allstate Insurance – 1403 N Main St # 209 – Wheaton, IL 60187 – (630) 653-2570
- Farmers Insurance Group – 25w485 Geneva Rd – Wheaton, IL 60187 – (630) 653-7606
- American Family Insurance – 107 N Hale St # 200 – Wheaton, IL 60187 – (630) 690-3332
To view a full list of captive insurance agencies in Wheaton, go to this page.
Selecting an insurance agency shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Will their companies depreciate repairs to your car based on the mileage?
- How much can you save by raising your physical damage deductibles?
- Are they full-time agents?
- What are the financial ratings for the companies they represent?
- Can they provide you with a list of referrals?
- What will you get paid if your car is a total loss? How is that amount determined?
Upon getting positive feedback to your questions as well as a affordable price, most likely you have located an auto insurance agent that can insure your vehicles.
Aren’t online insurance companies like Geico cheaper?
Licensed agents are important to many people, but you also have the option of buying from online companies direct. Certain auto insurance companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also allow you to buy direct on their websites, and that is helpful to possibly find a better rate.
If you’re uneasy about whether or not you’ll have guidance when buying online, that is normal but is not a big issue. Companies that require consumers to choose their own coverages provide customer service for customer questions. In addition, they usually offer help pages and frequently asked questions that you can use before buying.
Is it cheaper to buy car insurance online? The answer to that question is complicated due to the fact that there are multiple individual factors that influence how your policy is priced. Common logic is that a consumer who buys direct saves money because there is no commission. For the majority of companies, however, marketing their products costs a lot of money so the lack of a commission may be a wash.
For more information
More information can be found on the Illinois Department of Insurance website. Click here for link. Visitors are able to download brochures, view agent and company licensing information, read enforcement actions against agents and companies, and read state legal mandates and laws.
Additional helpful sites include FindNewCarInsurance.com and CarInsuranceDIY.com.
Online plus local equals savings
Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, poor customer service, policy cancellation or even denial of a claim. It doesn’t matter why you want to switch switching auto insurance companies can be less work than you think.
Budget-conscious auto insurance can be purchased both online as well as from independent agents in Wheaton, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.