Selecting a auto insurance company in Orland Park, Illinois can be time consuming since you have many choices and choosing the right Orland Park car insurance agent takes more work than just picking up the phone. It’s likely you’re not only searching for an excellent agent, but also great rates as well.
With companies like American Family, Allstate, State Farm and Farmers all competing for your business, it can be hard to know which auto insurance agent will give you the cheapest rates and the best coverage. To help decide, you can use online quotes to get a list of agents from which to choose.
Quote online but work with a neighborhood agent
Educated insurance agents can answer important questions and help submit paperwork. The best thing about getting online price quotes is that you can obtain better rates but still work with a licensed agent. Supporting small agencies is especially important in Orland Park.
To help locate an agent, after submitting this quick form, your insurance data is immediately sent to local insurance agents who will return price quotes for your coverage. You don’t have to even leave your home because quoted prices will be sent directly to your email. It doesn’t get any easier! It’s the lowest rates without the usual hassles of price shopping.
Do you need an independent or captive auto insurance agent?
When searching for a local agent, there are a couple of different agency structures to choose from. Agencies in Orland Park can either be captive or independent (non-captive).
Independent Agents
Independent agents are not locked into one company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, you should always include price quotes from multiple independent agents to have the most options to choose from.
Shown below is a short list of independent agents in Orland Park who may be able to give you competitive price quotes.
Dave Martino Agency – 9567 W 144th Pl – Orland Park, IL 60462 – (708) 349-5066
Country Insurance – 7539 Halesia Ct – Orland Park, IL 60462 – (708) 429-3570
Beyer Insurance – 453 W 162nd St – Orland Park, IL 60462 – (708) 403-3100
Captive Insurance Agents
Captive agents can only place business with one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to place coverage with different providers so keep that in mind. These agents are very knowledgeable in insurance sales which helps them compete with independent agents.
Listed below are captive agents in Orland Park that can give you rate quotes.
Allstate Insurance – 14620 S LA Grange Rd # 3 – Orland Park, IL 60462 – (708) 364-1300
Farmers Insurance Group – 14600 S LA Grange Rd – Orland Park, IL 60462 – (708) 460-5354
American Family Insurance – 14475 John Humphrey Dr # 150 – Orland Park, IL 60462 – (708) 460-1660
To view a full list of Orland Park captive agencies, go to this page.
Selecting an insurance agency needs to be determined by more than just a low price. These questions are important to ask:
- Will their companies depreciate repairs to your car based on the mileage?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Which members of your family are coverage by the policy?
- What insurance companies do they work with?
- What insurance company do they write the most business with?
After getting positive responses and an acceptable price quote, you may have just found a car insurance agent that can provide auto insurance coverage.
Is buying direct online an option?
Local insurance agents can be invaluable at times, but you also have the option of buying Illinois car insurance from online companies direct. Even companies like Allstate and State Farm who sell through agents in Orland Park additionally provide the ability to buy direct on their websites, and online price comparisons are easy to possibly find a better rate.
If you’re worried about not having an agent to talk to when buying online, that should not be a issue. Car insurance companies that allow you to purchase coverage all provide contact methods for answering any questions you have.
Does car insurance cost less online? It’s hard to say exactly because of the number of factors that influence the price you pay. It’s a logical assumption that a shopper who purchases direct prevents the agent from taking a cut. For most companies selling online, however, online and traditional media advertising are expensive so the lack of a commission may be a wash.
Compare but don’t skimp
While you’re price shopping online, never skimp on coverage in order to save money. In many instances, an insured dropped liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Cheap auto insurance can be found both online and also from your neighborhood Orland Park agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.
Additional auto insurance links
Additional information is located on the website for the Illinois Department of Insurance located here. Visitors are able to view a list of available companies, read state legal mandates and laws, find a variety of consumer forms, and read industry bulletins.
Other informative sites include this page for auto insurance in Illinois and this resource to find Orland Park, IL insurance agents.
