Choosing the right car insurance can be confusing, particularly when most companies in the state are offering varying rates and promises. Most drivers are not only after having a decent cover that is suitable for their pockets, but also looking to enjoy great service. In Illinois, there are quite a good number of insurance companies that are known to provide good protection and useful discounts for drivers.
Best Car Insurance in Illinois
1. Erie Insurance
2. Auto-Owners Insurance
3. West Bend Mutual
4. Grinnell Mutual
5. Shelter Insurance
5 Best Car Insurance in Illinois
In this article, we identify the five top car insurance companies in Illinois and the reasons why each of them is worth considering. You will know which company has the best value and best service, and who may suit your requirements, depending on your lifestyle and budget.
1. Erie Insurance
Except you are a local of Illinois, this is likely your first time hearing of Erie Insurance. Over the years, they have built a loyal tribe of customers who love their services. They have established a solid reputation for being honest and consistent in their pricing and policies. What differentiates Erie Insurance from others is that they deliver excellent coverage and minimal fees that can be considered a fair price for the service offered. Their policies are basic, but you can add services, including roadside assistance and personal property insurance in your vehicle, as well as third-party coverage in the event of a crash.
Their rate lock is also popular with many drivers. Unless you have significant changes, such as adding a car, your premium will remain the same. Erie Insurance is known to have one of the best customer services in the whole of Illinois. Erie operates in conjunction with local independent agents, and thus, when you require assistance, you are talking with a person who knows your territory. The speed of handling customer complaints is impressive. Erie is not the most inexpensive insurance company in Illinois, but they are known to offer great value and deliver on their promises. To a lot of drivers, it is the type of insurance that makes them feel relaxed.
2. Auto-Owners Insurance
Auto-Owners Insurance is a good option among Illinois drivers who have a preference for personal service and reliable coverage. This firm operates using independent agents, which implies that you receive advice from someone who has great knowledge of the local road, risks, and insurance requirements. This personal touch is valued by many drivers, particularly where they require assistance with a change of policy.
The difference between Auto-Owners and other companies is that it is all about reliability. The company boasts of good financial ratings, and that makes you believe claims can be processed in a fast and fair manner without any loss. They have policies that are known to be flexible. You have the option to opt for either ordinary coverage or optional extras such as roadside assistance, rental/car coverage, and accident forgiveness.
Auto-Owners also provides a number of discounts that can save you on your premium. Students having good grades, homeowners, and safe drivers can qualify to make savings. Even greater discounts are possible with a bundle of home and auto policies that they offer from time to time. The company is not as popularly advertised as larger brands, which is an asset to it. It is service-oriented, rather than hype-oriented. Auto-Owners Insurance can be a reliable and comfortable option for Illinois drivers seeking the assistance of a trustworthy and competent agent at a fair price.
3. West Bend Mutual
West Bend Mutual is a well-established insurance company that has served thousands of customers for many years. It has a reputation for providing good security and quality service, particularly to individuals seeking security on the road. The firm collaborates with independent agents, and thus, customers are able to receive individual advice when choosing the right insurance. The financial background of West Bend Mutual is quite stable, which makes it qualified to handle any financial complaints that may arise. Many drivers value them since they know that the company is stable and reliable. Other useful bonuses provided by the insurance company include roadside assistance, rental/car coverage, and emergency support.
West Bend also provides a reward system for drivers who observe the appropriate driving rules. In case you are claim-free, you might receive special benefits or savings. This makes their policies attractive to those who drive safely and would like to have an added value. Some of the customers complain that response times during claims may take a long time, but a good number of customers believe that West Bend provides fair service and quality support to compensate for that. The company is still trying to work on enhancing communication and customer experience. Altogether, West Bend Mutual is a decent choice for drivers who prefer reliable coverage, easy policy choices, and good customer management.
4. Grinnell Mutu
Grinnell Mutual is an all-in-one company that has served drivers quietly for over a hundred years and has earned trust with every single policy. It operates through independent agents, unlike the national insurers. This implies that you will be communicating with someone familiar with your community. The personal touch provides such ease and confidence in covering and making claims.
This company is already financially stable, and drivers are sure to be paid even in hard times or unstable economies. Its auto insurance plans include all that the majority of drivers require, including collision, liability coverage, and comprehensive insurance. Also, you can choose to go for the package that includes additional coverage of personal items in the vehicle, rental coverage, and other unforeseen events.
Grinnell Mutual rewards responsible driving, offers discounts, and works to make the policies affordable to a large group of drivers. Others appreciate the service of the local agent and the personal attention, but some of them mention that at times, the claims processing can take longer than anticipated.
5. Shelter Insurance
Shelter Insurance is worth considering in case you need car insurance in Illinois. They offer local services and good coverage at the same time. Shelter, unlike large national insurers, operates through local agents, which is why it is so easy to find advice and support that suits your needs. Shelter provides a complete variety of car insurance, such as liability, collision, and comprehensive coverage. You are also allowed to opt in for extras such as reimbursement of a rental car or replacement of a new car, and you can customize it according to your driving needs without having to pay extra to get packages that you will not need. Their agents are there to assist drivers in creating a policy that best suits you and your car, as well as their budget.
The massive discounts that Shelter gives make it a favorite among its competitors when customers decide to make a purchase. Good students, good-grade drivers, families that have more than one vehicle, and those who bundle their policies usually save on their premiums. This also enables one to have good protection at a low cost. With Shelter, you receive personal assistance in times when you require assistance instead of going through protracted call centers. All in all, Shelter Insurance can provide Illinois drivers with reliable coverage, friendly agents, and viable savings, which makes it a good option.
CONCLUSION
As a driver who resides in Illinois, getting a trusted insurance company is not a luxury but a necessity. All you need to do is study this all over again and make your pick!
About the Author
