Guarantee Auto Insurance Review

Motorists in Illinois have probably heard of Guarantee car insurance. The company, first of all, have not always specialized in car insurance. In fact, Guarantee began in 1939 as a fire and casualty insurance firm in Schaumburg, IL. That said, Guarantee actually sell throughout all fifty states from that home office in Illinois. Enter your ZIP to compare car rates by state for FREE!

Knowing that they do not really specialize in car insurance, one might jump to the conclusion that they’re not one of the most reliable auto insurance companies out there for motorists. In truth, they sell a wide range of insurance products, policies and packages and provide quality insurance for thousands of drivers across the country. Read our Auto Insurance Reviews to find the best company for your needs!

Insurance Policies

Guarantee’s wide range of insurance policies cover several different types of drivers in both the personal and commercial sectors. Whether you want to insure your work vehicle, your weekend roadster or your get-around-town car, they have a policy for you. Offering affordable minimum coverage policies as well as robust, full-coverage plans, Guarantee make a concentrated effort towards making sure they have something for literally every driver.

Reliability

When dealing with Guarantee outside of their home office in Illinois, you will find that you’re not dealing directly with the company themselves. In the other forty nine states, Guarantee use independent insurance agents who can connect you with a Guarantee policy.

This isn’t a bad thing. Insurance agents take their cut out of the seller’s end, not the buyer’s, so it’s totally free for you. The agents simply act as an intermediary, carrying your payments over to the insurer and their auto insurance coverage over to you. It is one extra step in the process of paying, signing contracts and making claims, but this shouldn’t reflect on the company’s excellent reputation in the insurance industry.

Rated at an A by AM Best, the company is known to be financially stable, so you don’t need to worry about their not being able to cover your claims. Even if the insurance agency you’re working through operates out of a tiny office upstairs from a Chinese restaurant, the company behind that office is actually a very powerful name in the Illinois insurance game.

Accessibility

Although you may not be able to deal with the company directly if you live outside of Illinois, you should still find it very easy to deal with the company. They offer a very transparent approach to buying insurance. If you call the company directly, they should be able to answer any and all questions you might have, and their website is full of helpful information and comprehensive looks at all of their policies.

It stands to reason, of course, as the company really has nothing to hide. Earning solid positive reviews across the board and few real negative comments or reports on the web, Guarantee is clearly a reputable and reliable insurance company.

Who Are They For?

If we’ve been making Guarantee sound like a dream come true up to this point, it is simply that we’ve been focusing on their upsides. In the long run, their prices, while competitive, are beat in many instances by smaller insurance companies who need your business that much more, and by bigger companies that can afford to cut you a deal. While not the priciest insurers around, Guarantee rank in the “merely average” range of insurance pricing.

If you need more robust coverage, of live in Illinois and want to go with a local insurance company, Guarantee may be perfect for you. For everyone else, you may want to keep them on the short list of “maybes,” but make sure you have a few other insurers to choose from as Guarantee, whether or not they’re worth the price, don’t usually offer the lowest rates you can find when you’re on a budget and just need minimum coverage, and that’s important in this day and age.

However, to clarify: This is not to say that they never offer the lowest and cheapest auto insurance prices, but their focus is on reliability, not affordability.

The Bottom Line

Guarantee are a reliable insurance company that are well known in Illinois for their great customer service, prompt response time, great auto insurance reviews, and reasonable rates. While seldom heard of in the other forty nine, the fact remains that if you can find an agency that offers Guarantee insurance policies in your area, it may be a good idea to look them up and see what they have to offer you.

It might not always be the lowest price, but it may well be lower than what you’re paying right now. So don’t wait any longer enter your ZIP into our FREE auto insurance comparison search and SAVE!