Car Insurance Companies in Illinois
There are tens of car insurance companies operating in the State of Illinois. Some of these companies are doing incidental work, others are heavily involved in the auto insurance markets. The following is a brief classification/ description of these companies.
Standard vs Substandard Car Insurers
Standard insurers such as Progressive auto insurance, Allstates, State Farm, American Family and many others are carriers that normally offer preferred car insurance plans (high liability limits, preferred claim services, comparably lower rates). These companies stick to higher standard of doing business. Most of them will check the credit of the applicant, verify the details of the MVR and CLUE reports in order to identify potential violators of the law and claim makers.
Non Standard carriers, also known as substandard, are carriers that offer lower liability limits, may not check on credit, more easy when evaluating drivers history, etc. Those carriers are the ones that introduced the concept of low cost auto insurance, or cheap car insurance. Normally car insurance rates offered by these companies are significantly less (when compared with standard companies rates) for people with credit issue or those with repeated traffic violation.
Customer/ claims services offered by standard carriers are valued better by most insured people.Auto Insurers in Illinois can be local or national. Being local or national has nothing to do with claim or customer services of the company.
Some auto insurance companies in Illinois market their car insurance policies by their own captive agents. These Companies include some of the known carriers such as Allstate, State Farm, Farmers,and American Family insurance companies. Other auto insurers in Illinois use the independent agency system. Illinois companies that use the independent agency systems include some of the best auto insurance companies in the nation, such as Auto Owners, Progressive, AAA Insurance, the Hartford, Travelers Insurance, Safeco Insurance, and many more.
Obtaining a car insurance quotes in Illinois from an independent auto insurance agent will guarantee that you receive rates from several insurers, not just one as in the case of captive agency system.