To locate a good Evanston agent, you can start your research for an agent online instead of making phone calls. It’s likely you’re looking for a friendly agent, but you also want to find the lowest possible price.
With companies like State Farm, Allstate and Farmers Insurance having offices in Evanston, it’s hard to tell which one will provide the best rates, service and coverage. To help decide, it’s easy to use online price quotes to build a list of agencies and price estimates.
Buying auto insurance from a local Evanston agent
Agents can help determine the best coverages and give you peace of mind. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent. Supporting local agencies is important particularly in Evanston.
To find an agent, once you fill out this short form, your insurance data is transmitted to local insurance agents who will battle for your business. You won’t need to visit any agencies since price quotes are sent straight to your inbox. It doesn’t get any easier! You can find better rates without the usual hassles of price shopping.
To select a specific agent in Evanston, please view this page.
Choosing a car insurance agent requires more thought than just the price. Here are some questions to ask:
- Are you getting all the discounts the company offers?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is the agent and/or agency licensed to do business in Illinois?
- Does the company allow you to choose your own collision repair facility?
- If you have an accident, will your rates go up?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Upon receiving positive feedback for all questions you ask and a good coverage price, most likely you have located a car insurance agent that meets your needs to insure your vehicles.
Have you considered online alternatives?
Insurance agents are important, but you can also find affordable Illinois auto insurance directly from online companies. A few companies who have local Evanston agents also let you buy direct online, and that can save time if you don’t want to take the time to contact agents.
If you’re uncomfortable with choosing your own coverages when buying direct, don’t let it bother you. All companies provide phone numbers and online resources for answering any questions you have. You may also access 24/7 live help and a car insurance FAQ section that can help answer basic questions.
Does buying online save money? Many people think so, but it’s hard to say for sure due to the fact that there are many factors which can raise or lower premium rates. Common sense would say that buying car insurance online prevents the agent from taking a cut. But truthfully, marketing expenses are significant so this can offset any savings.
Buy online or local, you save
As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an insured cut full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.
Cheaper auto insurance can be found on the web and also from your neighborhood Evanston agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.
Read more about Illinois auto insurance
Much more information about auto insurance in Illinois is available on the Illinois Department of Insurance website through this link. Illinois consumers can get help finding coverage, read enforcement actions against agents and companies, read state legal mandates and laws, and find out which companies have the most complaints.
These articles may also be worth reading.
