by Ed Snenneh, Illinois Auto insurance Agent in Chicago

What is the best car insurance policy?

Many Illinois customers wonder of the differences between buying insurance with this insurance company vs the other insurance company. Naturally the most important factors in determining the suitability of car insurance quotes are: (1) The need of the client for insurance, and (2) The budget or the auto insurance rate associated with that quote/ coverage.

People need insurance for wealth and property protection. The amount and nature of wealth and property are not the same for everyone, and for that reason limits of insurance must reflect that need. People with larger wealth normally require higher liability limits for more effective protection in the events of lawsuits.  Also, budget is very important. Purchasing something that may not be afforded later and, therefore, stopped may not be a wise idea. Accidents happen anytime, and if they happen when there was some sort of interruption in the insurance because of budget problems, then the whole idea of getting car insurance may prove to be ineffective.
 InsuranceNavy is a Chicago, Illinois based a leader in the Illinois Auto Insurance, and Illinois SR22 car Insurance. The agency represents and accesses dozens of preferred, standard and non standard insurers in all areas including car insurance.

The agency runs many locations in the Chicago and suburban area, and is offering fast and free online car insurance rate. For consultation, quick quotes please call one of our licensed auto insurance agents at 708 237 0404.
Auto Insurance Reviews for Insurers in Illinois


Importance of auto liability insurance limits
 
Once the client decodes on the limits of insurance and amount of premium they can afford, service issue becomes very important.  Since competition among the Illinois insurers in the Chicago auto insurance marketplace is very stiff, price and rates are very close, and customer service and claim services should be among the important factors that determine where to shop.

Illinois auto insurance companies reviews- Three different approaches

Illinois auto insurance companies reviews can be looked at via three methods. One is the unofficial method, or through asking friends, relatives, internet reviews, etc. The second method is through an independent third party review. Third through the official State of Illinois regulatory body, or the Illinois Department of Insurance.

Relying on friends, family, and internet reviews maybe the starting point. However  Illinois auto insurance companies reviews offered by internet, friend or family members may be biased, and are based on the subjective experience of the reviewer.

Illinois auto insurance companies reviews offered by third parties are more objective. The most prominent reviewing organization is JD Power (jdpower.com). The great thing about these reviews is their objectivity and fairness. The limitations of these reviews is that they are limited to the big names in the industry, such as Allstate Auto Insurance, State Farm Auto Insurance, American Family Insurance, etc. Almost all of the companies reviewed by JD Powers are very highly regarded companies belong to the standard and preferred car insurance markets. In other words, you are comparing the best companies against each other.

The third is to look at what the State of Illinois Department of Insurance reviews of complaints made against Illinois auto insurers. The 2009 complaints made against Illinois auto insurers is a great way to evaluate big and small insurers in relation to their premiums written in this state. All companies are nearly reported in the table. The drawback of the table is that it lists the negative reviews, the complaints made. The table does not include the positive reviews, or even the circumstances behind the complaints listed.
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