List of Insurance Agents in Effingham, IL

Would you like to know who has the best car insurance quotes in Effingham in 2019, how to find the cheapest auto insurance for less than $450 a year or which insurance company has the most affordable coverage for teens, seniors or drivers that have previous car accidents and violations on their records, we are here to help you! The average car insurance rates in Effingham, IL are at $733 per year for adults, $1.075 for young drivers (16 - 24 years) and $410 for senior drivers. But these are just average rates that may vary for the same coverage depending on your location, driving history or by your age. Below is a list of licensed and reviewed insurance agents and companies in Effingham with contact information, and with detailed profiles that include office hours, phone numbers, websites, as well as user reviews, customer testimonials and average insurance rates which are around $33 a month. We have reviewed and compared auto insurance rates in Effingham and nearby localities to provide drivers with more information about insuring their vehicles and available discounts. Here's what we found. Erie offers one of the cheapest vehicle insurance policies, which are currently around $391 and well below the national average. Among the regional insurers can also be highlighted and recommended Cincinnati, State Auto or Auto Owners with rates rising to $528.

How much is car insurance in Effingham by insurance company

Popular Insurers  Annual Premium * Teens (16-18) * Seniors * Bad Record *
Nationwide $635 $1.173 $537 $977
Farmers $684 $1.221 $635 $1.026
GEICO $489 $977 $391 $879
Progressive $831 $1.368 $635 $1.221
USAA $831 $1.417 $635 $1.270
Liberty Mutual $1.173 $1.466 $831 $1.192
State Farm $1.221 $1.515 $733 $977
Allstate $1.251 $1.583 $567 $1.417
American Family  $1.319 $1.681 $625 $1.485
Regional Insurers Annual Premium * Teens (16-18) Seniors Bad Record
Erie $391 $879 $313 $782
The Cincinnati $430 $997 $371 $840
Auto Owners  $479 $1.075 $420 $909
State Auto  $547 $1.192 $547 $967
Safe Auto  $635 $1.270 $645 $1.065
MetLife $704 $1.388 $792 $1.114
Victoria $801 $1.485 $889 $1.212
Allied $860 $1.622 $997 $1.358
Encompass $938 $1.749 $1.075 $1.417
* Rough estimate for drivers in the neighborhood of Effingham, IL. Find and compare insurance agents in Effingham and get rates lower than $342

Skip this info about discounts & compare insurance agencies in your area

How much is car insurance in Illinois? Which insurance company in Illinois (Effingham & other cities) offers the cheapest auto insurance quotes? Below is the list of insurance companies & agents in Illinois (Effingham). Find an insurance agent near you & see how much discount you may receive. The right discount can save you up to 30% on your coverage! Need legal advice? Find car accident lawyer in Effingham and schedule a free consultation. If you, or someone else, have been injured in a traffic accident, a well chosen personal injury attorney near Effingham can help with such matters.

How to pay less than $372 a year or $31 a month in Effingham in 2018?

Are you paying too much for car insurance in Effingham? Auto insurance is a major expense for most people, and the cost of this coverage is on the rise, especially in some states. You really can lower your rates if you make the effort, but be sure you have adequate coverage against un-insured and under-insured drivers. If you lack uninsured/underinsured auto insurance in Effingham, which is insurance protection related to injuries received as a result of an uninsured or negligent driver, you can be at financial risk. Do not forget to pick an insurance agent in neighborhood of Effingham Illinois or company representative that takes the time to answer your questions. The easiest way to find the best agent is to ask for referrals and client reviews. According to many studies, people of Effingham are paying $1.062 per year for auto insurance on average. Do not ignore local & regional insurance providers, as they may have better rates than competitors on some insurances.

Effingham Department of Insurance & Commissioners

The Illinois Effingham Department of Insurance (http://insurance.illinois.gov/) should help consumers with insurance-related questions, and everything associated with auto insurance, health insurance, home insurance or life insurance in your neighborhood. And even much more! The Effingham Bureau of Insurance is there to help you resolve complaints against insurance companies, agents and health maintenance organizations (HMOs).

Commissioner

  • Jennifer Hammer, Director
  • (Midwest Zone)
  • Chicago Office/Mailing Address
  • Illinois Department of Insurance
  • 122 S. Michigan Avenue, 19th Floor
  • Chicago, Illinois 60603
  • Phone: 312.814.2420
  • Fax: 312.814.5416
  • Illinois Department of Insurance
  • 320 W. Washington Street, 4th Floor
  • Springfield, Illinois 62767-0001
  • Phone: 217.782.4515
  • Fax: 217.782.5020

Choose an insurance agent near you...

Switching auto insurance company or changing your policy in Effingham can save you hundred of dollars a year and that is the main reason why you should shop for car insurance every 6 months. Below is a complete list of insurance companies and agents in Effingham with contact information including address, phone numbers, emails, firm websites. This database contains both captive agents and independent agents from Effingham. Find out who has the best auto insurance quotes and ask about any discounts that might apply to you. Make sure you do not hurry through the process of getting insurance!

Average Cost in Illinois State Requirements Advanced Search
Allstate Insurance Companies

Reside at 603 W Jefferson Ave

Get Free Quotes    Call: (217) 347…
Get auto insurance quotes from Allstate Insurance Companies located at Effingham in the state of Illinois & compare insurance agents near you. Decide which coverage options are best for you. View expert ratings, auto insurance rates in Effingham county IL, discounts and customer service reviews. Meet insurance agent at 603 W Jefferson Ave or contact him over the phone (217) 347…...
Illinois, Effingham, 62401
Henderson- Thomas G

Reside at 122 E Section Ave

Get Free Quotes    Call: (217) 342…
Get auto insurance quotes from Henderson- Thomas G located at Effingham in the state of Illinois & compare insurance agents near you. Decide which coverage options are best for you. View expert ratings, auto insurance rates in Effingham county IL, discounts and customer service reviews. Meet insurance agent at 122 E Section Ave or contact him over the phone (217) 342…...
Illinois, Effingham, 62401
Gobczynski- Leon F

Reside at 312 W Wabash Ave

Get Free Quotes    Call: (217) 342…
Get auto insurance quotes from Gobczynski- Leon F located at Effingham in the state of Illinois & compare insurance agents near you. Decide which coverage options are best for you. View expert ratings, auto insurance rates in Effingham county IL, discounts and customer service reviews. Meet insurance agent at 312 W Wabash Ave or contact him over the phone (217) 342…...
Illinois, Effingham, 62401
Illinois - Find Agents
Car insurance in Illinois

Related external links

There are not any related links yet. You can google more information about car insurance rates in Effingham. Liability insurance policy is the most important type of coverage you as a driver carry. Make sure you understand the basic auto insurance requirements and minimum coverage limits in Effingham.

Homeowners & Auto Insurance

Insurance protects you and your family property from potential claims if you are the at-fault driver in an accident. Remember, that car insurance has a long-term relationship with homeowner insurance in Effingham. How much can you save by bundling your homeowners insurance with car insurance? If you buy your home insurance from the same company that provides your insurance policy, you can save between by 5% - 25%. If you compare comprehensive homeowner insurance plans in Effingham, you will probably find out, that average rates fluctuate around $1.013.

Progressive Insurance in Effingham

There are thousands of insurance agents from Effingham ready to help you with your auto & homeowner insurance needs. Looking for a Progressive insurance agency in Effingham or an independent agent that represents Progressive company? You can find and call your Progressive insurance agent from Effingham Illinois just by typing your zip code in to our search form (above). You can bundle your auto insurance with your home insurance, renters, condo or townhouse insurance and see, how much discount you can receive from Progresive Insurance Company in 2018/2019. See reviews, directions, phone numbers and more for Progressive Agents and local brokers locations in Effingham.

Auto Insurance Requirements

Liability insurance in Illinois helps cover your costs associated with injuries or property damage to others resulting from a car accident you cause. Your liability insurance must have the following minimum coverages:

  • $25,000 for bodily injury per person.
  • $50,000 total for bodily injury per accident.
  • $20,000 for property damage.

Car Insurance in Effingham

Get more informations about Effingham's auto insurance requirements, coverage options, car insurance rates, and available discounts. Most U.S states - Effingham include - require drivers to purchase a minimum amount of liability insurance (Bodily injury coverage & Property damage coverage). But remember, the basic "liability insurance in Effingham Illinois" does not cover your own injuries or property damage. Average price for car insurance in Effingham is $1 062 dollars. This is only an indicative price for car insurance in Illinois Effingham. There are many factors that affect your auto insurance rates...

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Car insurance in Illinois

Compare agents in Effingham

Compare Insurance Companies in Illinois Effingham

Who Has the Cheapest Auto Insurance Quotes in Effingham? Costs of car insurance in Effingham vary from one insurer to the next. You should researched auto insurance rates from the largest insurers around Illinois Effingham and found the cheapest options for your vehicle. Would you like to get lower premiums? Forget to hide or alter information! Report your mileage accurately, report all the drivers for the vehicle (even family members), list the actual parking location for your vehicle and do not forget to report the automobile accidents you've been involved. Errors on the car insurance application can result in a denied claim (after traffic accident) or even a policy revocation (read more about Illinois Effingham car insurance laws and regulations).
Cheapest rates in Effingham $212
Standard rates in Effingham $637
Most expensive rates in Effingham $1.381
Average cost of car insurance in Effingham (2016 - 2017) has been $1.062 dollars. But remember, your age (teen vs senior driver), marital status (married, single) and location has a huge impact on your car insurance rates. Before you buy any product, read customer reviews of auto insurance companies in Effingham Illinois and their agents/brokers who offer quotes on your car. As you can see, you can lower your car insurance fees to $637 dollars or even less than $212 - low cost rates near you.
Minimum Effingham Requirements

State-By-State List of Minimum Car Insurance Requirements

Car insurance in Illinois Motor vehicle owners (lessees too) are required by law to maintain continuous Effingham liability insurance coverage on vehicles with active registrations. Find the minimum car insurance requirements for every state to get car insurance that meets the legal requirements! Never drive a vehicle that does not have a valid vehicle registration. Minimum car insurance requirements vary from state to state. Many states require drivers to have insurance, but some of them provide alternatives such as "proof of financial responsibility" or "uninsured motorist registration". These requirements establish the minimum levels of insurance coverage in Effingham that every motorist must buy. Below is the list of minimum Illinois car insurance requirements - understand bodily injury & property damage liability. There are high penalties for driving without car insurance in Effingham.
How much auto insurance coverage do you need?

Liability insurance in Illinois helps cover your costs associated with injuries or property damage to others resulting from a car accident you cause. Your liability insurance must have the following minimum coverages:

  • $25,000 for bodily injury per person.
  • $50,000 total for bodily injury per accident.
  • $20,000 for property damage.

Full Coverage Auto Insurance in Effingham (Example)

What does “Full Coverage" mean and what's included in minimum car insurance coverage required by your Illinois state? Full coverage policy in Illinois Effingham is perceived as a contract that combines state-required liability (liability insurance is one of the few coverage options that is mandatory in every U.S state) or no-fault insurance coverage that covers body injury and property damages to others in an accident you cause, collision coverage (this coverage will pay for the repairs to your car) and comprehensive coverage (theft, vandalism and other damages). The average price for full coverage car insurance in Effingham is $1.062 dollars. But it's only an indicative price! You can find and buy cheap full-coverage insurance in Effingham only with the right resources. Car insurance rates are based on a variety of risk factors (age, employment, residence, driving record) and therefore can grow up to $3.186 a year (cca $266 dollars a month), but even more! You could qualify for more affordable car insurance by purchasing basic "liability insurance", which can cost around $425 a year and even less. Find an agent near you, get the best quotes (consider buying one that fits your needs) and purchase your new and inexpensive car insurance! Department of insurance in Effingham offers guidance to local consumers.

Estimated Prices
Lowest auto insurance rates in Effingham
$425 a year
Average auto insurance rates in Effingham
$1.062 a year
Highest auto insurance rates in Effingham
$3.186 a year
How much will you pay for insurance? $212 or less?
Ask for Quotes (Online)
unknown 90%

Effingham Car Insurance Guide: Questions & Answers

There are always many questions that must be answered before shopping for car insurance in Effingham or anywhere near you. Have questions about what your car insurance policy covers in different situations? Do you know, how insurers investigate accident claims in Illinois Effingham? After you file a claim with your car insurance company, the process - that leads to a financial settlement - is starting. If you have a car insurance policy (general liability insurance / car insurance premiums, deductibles / higher limits), you've likely had specific questions about what it covers. When to report a car accident in Effingham, when not and what are the legal (financial) consequences of this activity. We can inform you of what happens if you dont report your traffic accident in Effingham Illinois and what the responsible insurance company requires. If you have been involved in a car accident around Effingham, we can advise you of what laws will apply to your specific case.

$89 a month? Stop overpaying for auto insurance in Effingham!

We can help you save significant money on auto protection near Effingham...no matter what type of car you drive. How much is the average monthly/yearly car insurance premium in your state/city? As you already know, your car insurance premiums are based on a variety of factors including your location, the amount of coverage, model of your car, your driving history, your age and many others. If you are paying around $89 a month ($1062 a year), you can definitely save a lot of money annually. Do not hesitate to switch policies or insurance agent if getting a discount of $44 dollars is possible!

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