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The premium for the same policy term, so the numbers are actually comparable.
How we work
How we compare your insurance options.
As an independent agency, we can check options from several insurance companies, then explain the differences so you can decide.
Step by step
From your first message to a decision.
Three steps, from your first message to a decision.
Tell us what you need
Call, text or send the form: what you want to insure, your current policy if you have one, and the date it renews.
Helpful to have: what you want to insure, who drives or lives there, your current insurer and renewal date. Please don’t send Social Security or driver’s license numbers through the website.
We compare options from several companies
We check what multiple insurance companies can offer — price, liability limits, deductibles and policy terms, not just the lowest number.
Each company has its own rules, so not every insurer offers a quote for every situation. We tell you which options are actually available.
We explain the differences, you decide
We go through price, limits and deductibles with you in your language. If switching isn’t worth it, we’ll tell you.
You see the options side by side with a plain-language explanation. The decision is yours, with no obligation.
What we compare
We look beyond the price.
Two policies with the same price can protect you very differently. These are the five things we put side by side.
Liability limits
How much the policy pays if you’re responsible for injuring someone or damaging their property.
Deductibles
What you pay yourself before the insurer pays a claim. A higher deductible usually means a lower premium.
Coverages & exclusions
What’s included, what costs extra and what isn’t covered at all.
Policy terms
Eligibility rules, payment options, discounts and other conditions that differ from company to company.
Independent agent
Why an independent agency?
A captive agent works for one insurance company. As an independent agency, we can work with several insurance companies available to us and compare what they offer for your situation.
That gives you more options, but it doesn’t guarantee the lowest rate: prices depend on your vehicles or property, driving record, location and each insurer’s rules.
Captive agentOffers policies from one insurance company.
Independent agencyCan request quotes from several insurance companies and compare them for you.
Questions
Before you decide.
No. Price matters, but so do liability limits, deductibles, exclusions and how a policy fits your situation. We show you the tradeoffs so you can choose.
Yes. Tell us about your current policy and any changes. We’ll check available alternatives and explain the differences. A lower price is never guaranteed.
Often, yes. Many policies can be canceled mid-term, but refunds and fees depend on your current insurer. We’ll help you time the new policy so you aren’t left without coverage.
Ready to compare your options?
Call or text 224-431-4444, or request a free quote online. Office visits by appointment only.