Effingham County Farm Bureau
1102 W Evergreen Ave
Effingham, IL 62401-1710
Phone: (217) 342-2103
Effingham County Farm Bureau provides residents of Effingham with advice and guidance when making important insurance decisions. Their office is located at 1102 W Evergreen Ave or call (217) 342-2103 to speak with an agent. Serving Effingham and the greater Effingham county area.
Looking for insurance agents in Effingham, IL or just trying to lower your premiums? Here are some insurance buying best practices.
- A local insurance services provider like Effingham County Farm Bureau can help you determine the proper coverages for your personal situation. Licensed Illinois insurance agents are trained to find possible coverage gaps in your insurance plan.
- Your Effingham auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Effingham property owners are able to reduce their insurance costs by simply increasing their insurance policy deductible. An insurance deductible is how much money you have to pay out-of-pocket once you have a home insurance claim. By agreeing to pay an increased amount of your own money, your insurance provider will lower your home insurance premium. Providing you don't have regular claims, the cost savings on the reduced premium will soon add up to a lot more than the extra insurance deductible you have to spend at claim time.
- Safe drivers pay less for car insurance. If you tend to drive too fast, have minor fender benders, or repeatedly run red lights, you will pay higher car insurance rates. Conversely, if you are a good driver and do not file frequent claims with your Illinois insurance company, then you will be rewarded with lower rates.