First Chicago Insurance Company Review (2024)

First Chicago Insurance Company stands as a reliable choice for diverse insurance needs, offering a spectrum of coverage options, competitive rates, and a commitment to exceptional customer service.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
3.6
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First Chicago Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Wide range of insurance options
  • Excellent customer service
  • Competitive rates
  • Flexible payment options
  • Positive customer reviews

Cons

  • Limited online policy management features
  • Not available in all states
  • Limited coverage for specialized vehicles
  • Some policy restrictions may apply
  • Fewer discounts compared to some competitors

In this comprehensive exploration of First Chicago Insurance Company, readers are introduced to a versatile insurer with a legacy dating back to 1920. Offering a broad spectrum of insurance types, from auto and home to life, renters, and business coverage, First Chicago Insurance stands as a trusted guardian against life’s uncertainties.

First Chicago Insurance emerges as a dependable choice for safeguarding your future. Whether you’re seeking protection for your vehicle, home, loved ones, or business, this article provides the insights you need to make an informed decision about your insurance needs.

First Chicago Insurance Company Insurance Coverage Options

When it comes to safeguarding the things that matter most, First Chicago Insurance Company offers a comprehensive array of coverage options tailored to meet your specific needs. From protecting your home sweet home to securing your family’s financial future, our diverse range of insurance policies ensures that you’re prepared for life’s uncertainties.

First Chicago Insurance Company provides a comprehensive array of coverage options tailored to meet various needs. Here’s a bullet list outlining the coverage options offered by the company:

  • Auto Insurance: Tailored protection for vehicles to ensure financial security in the event of accidents or theft.
  • Home Insurance: Safeguarding homes and personal belongings against damages, theft, and liability risks.
  • Life Insurance: Offering various life insurance policies to provide financial security and support to loved ones in case of the policyholder’s passing.
  • Business Insurance: Customizable coverage for businesses, addressing specific industry risks, property protection, liability, and more.

In the dynamic landscape of insurance, First Chicago Insurance Company emerges as a trusted ally, committed to offering not just policies but peace of mind.

Whether it’s the road ahead, the sanctuary of your home, the legacy you leave, or the endeavors of your business, First Chicago Insurance Company is dedicated to providing the coverage you need for a secure and confident journey. Choose coverage that goes beyond, with First Chicago Insurance Company by your side.

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First Chicago Insurance Company Insurance Rates Breakdown

Driver ProfileFirst Chicago Insurance CompanyNational Average
Clean Record$128$119
1+ Ticket$156$147
1+ Accident$183$173
DUI$223$209
Poor Credit$220$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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First Chicago Insurance Company Discounts Available

DiscountFirst Chicago Insurance Company
Anti Theft15%
Good Student10%
Low Mileage18%
Paperless5%
Safe Driver15%
Senior Driver15%

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First Chicago Insurance Company understands the value of affordability and offers a range of discounts to enhance the cost-effectiveness of their coverage. Here’s a bullet list highlighting the discounts provided by the company:

Auto Insurance Discounts

  • Safe Driver Discount: Reward for maintaining a clean driving record without accidents or violations.
  • Good Student Discount: Reduced rates for students with a proven track record of academic achievement.
  • Multi-Policy Discount: Savings for customers bundling multiple insurance policies, such as auto and home insurance.
  • Anti-Theft Device Discount: Lower rates for vehicles equipped with anti-theft devices and systems.
  • Defensive Driving Course Discount: Savings for completing an approved defensive driving course.
  • Low Mileage Discount: Discounts for drivers who travel fewer miles, reducing the risk of accidents.
  • Affinity Group Discount: Exclusive rates for members of affiliated organizations or groups.
  • Pay-In-Full Discount: Reduced premiums for paying the annual premium in full upfront.
  • Safe Vehicle Discount: Savings for vehicles equipped with safety features like anti-lock brakes and airbags.
  • New Car Discount: Lower rates for insuring new vehicles, reflecting their enhanced safety features.

Home Insurance Discounts

  • Multi-Policy Discount: Savings for customers bundling their home insurance with other policies.
  • Protective Device Discount: Reduced rates for homes equipped with security systems, smoke detectors, and fire alarms.
  • Claims-Free Discount: Reward for homeowners with a claims-free history over a certain period.
  • New Home Discount: Savings for insuring newer homes due to their updated construction and safety features.
  • Renovated Home Discount: Lower rates for homes that have undergone recent renovations or improvements.
  • Senior Citizen Discount: Exclusive rates for homeowners of a certain age group.
  • Green Home Discount: Savings for environmentally-conscious homes with energy-efficient features.
  • Homeowner Association (HOA) Discount: Reduced premiums for homes in communities with active homeowner associations.

Life Insurance Discounts

  • Multi-Policy Discount: Savings for customers who bundle their life insurance with other policies.
  • Healthy Lifestyle Discount: Reduced rates for policyholders who meet specific health and wellness criteria.
  • Non-Smoker Discount: Exclusive rates for individuals who do not use tobacco products.
  • Preferred Rate Discount: Savings for policyholders in excellent health with favorable medical histories.

Business Insurance Discounts

  • Multi-Policy Discount: Savings for businesses that bundle multiple insurance policies.
  • Safety Training Discount: Reduced premiums for businesses that provide regular safety training to employees.
  • Claim-Free Discount: Reward for businesses with a history of minimal or no claims.
  • Professional Association Discount: Exclusive rates for businesses associated with certain professional organizations.
  • Business Security Discount: Savings for businesses with comprehensive security measures in place.

First Chicago Insurance Company stands committed to delivering tailored solutions that cater to your unique needs, from shielding your cherished possessions to fostering a secure future for your loved ones and business.

How First Chicago Insurance Company Ranks Among Providers

In the vast landscape of the insurance industry, a multitude of companies vie to provide coverage and security to individuals and businesses alike. This article unveils some of the prominent contenders in this competitive arena, each offering a unique blend of services and values.

  • State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including auto, home, life, and more. They are known for their extensive agent network and customer service.
  • Allstate: Allstate is another major player in the insurance industry, offering a variety of insurance products and services. They are known for their emphasis on personalized coverage and features like accident forgiveness.
  • Geico: Geico is well-known for its direct-to-consumer approach and extensive advertising campaigns. They specialize in providing competitive rates for auto insurance and have expanded to offer other insurance products as well.
  • Progressive: Progressive is known for its innovative approach to auto insurance, including usage-based insurance and a strong online presence. They have expanded their offerings to cover various other insurance types as well.
  • Liberty Mutual: Liberty Mutual offers a wide range of insurance products, including auto, home, and life insurance. They emphasize personalized coverage and offer various discounts to policyholders.
  • Farmers Insurance: Farmers Insurance provides various insurance options for individuals and businesses, including auto, home, and specialty insurance. They are known for their agent-based approach and customizable coverage.
  • Nationwide: Nationwide offers a range of insurance products and financial services. They are known for their “On Your Side” brand promise and various insurance offerings for individuals and businesses.
  • Travelers: Travelers provides a variety of insurance products, including auto, home, and business insurance. They cater to both personal and commercial clients and emphasize risk management solutions.
  • USAA: While primarily serving military members and their families, USAA is often considered a competitor due to its comprehensive insurance offerings, excellent customer service, and competitive rates.
  • Erie Insurance: Erie Insurance is known for its strong customer service and customizable coverage options, particularly in the areas of auto, home, and business insurance.

Read more: Erie Homeowners Insurance Review

As you journey through the world of insurance providers, it becomes clear that the competition is fierce, each player striving to provide the best possible service to their policyholders.

From State Farm’s renowned agent network to Geico’s direct-to-consumer approach, and from Allstate’s emphasis on personalized coverage to USAA’s dedicated service to military families, the diversity of offerings reflects the industry’s commitment to meeting varied needs.

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First Chicago Insurance Company Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

First Chicago Insurance Company offers multiple convenient methods for filing insurance claims. Policyholders can file claims online through the company’s website, making it easy to initiate the process from the comfort of their own homes. Additionally, customers can file claims over the phone, providing a quick and accessible option for those who prefer speaking with a representative.

The company also offers mobile apps that enable policyholders to file claims and manage their insurance accounts directly from their smartphones. This range of options ensures that customers can choose the method that suits them best.

Average Claim Processing Time

The average claim processing time at First Chicago Insurance Company is competitive, with the company striving to handle claims efficiently. However, specific processing times may vary depending on the complexity of the claim and other factors.

Policyholders can expect prompt attention to their claims, and the company aims to provide timely resolutions to help customers recover from unforeseen events as smoothly as possible.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts at First Chicago Insurance Company has been generally positive. Many policyholders have expressed satisfaction with the company’s handling of claims, citing fair and timely payouts.

While individual experiences may vary, the company’s commitment to customer service and responsive claims processing has earned it a favorable reputation among its clients.

First Chicago Insurance Company Digital and Technological Features

Mobile App Features and Functionality

First Chicago Insurance Company offers a user-friendly mobile app with a range of features and functionalities. Policyholders can use the app to access their insurance policies, view payment details, and even file claims directly from their mobile devices.

The app provides a convenient way for customers to manage their insurance needs on the go, enhancing their overall experience with the company.

Online Account Management Capabilities

The company’s online account management capabilities empower policyholders to have control over their insurance policies and accounts. Through the online portal, customers can review policy information, make payments, update contact details, and track the progress of their claims.

This level of transparency and accessibility ensures that customers can easily stay informed and manage their insurance affairs online.

Digital Tools and Resources

First Chicago Insurance Company provides various digital tools and resources to assist policyholders in making informed decisions about their insurance coverage. These resources include educational materials, articles, and frequently asked questions (FAQs) that offer valuable insights into insurance-related topics.

Additionally, the company’s website offers quote comparison tools to help customers explore different insurance options and find the coverage that best suits their needs. These digital resources contribute to a more user-friendly and informative insurance experience for customers.

Frequently Asked Questions

How do I choose the right insurance for my car?

First Chicago offers a variety of auto insurance options to match your needs and budget. Their agents can guide you through the selection process.

What factors affect my homeowners insurance premium?

Factors such as location, home value, and coverage limits influence your premium. First Chicago helps you find the right balance.

Can I customize my business insurance coverage?

Absolutely! First Chicago’s business insurance is customizable to suit your industry, size, and specific risks.

How does term life insurance differ from whole life?

Term life provides coverage for a specific period, while whole life offers lifelong protection and a savings component. First Chicago explains the benefits of each.

Is health insurance available for my entire family?

Yes, First Chicago’s health insurance includes family plans that ensure comprehensive coverage for all your loved ones.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for First Chicago Insurance Company

3.63 (18 reviews)
1
January 8, 2024

fffzzz

Horrible Experience

Worst experience with this Auto Insurance Company; their customer care and agent are extremely unprofessional. Upon requesting a policy refund, I was given only a partial amount of what I paid in full. Very poor service; I wouldn't recommend it.
1
March 8, 2023

Nickimarie1990

zero

This is the worst company to deal with. You stay on hold for 30 minutes before someone picking up your phone call, or you get hung up on to where you need to call back and do it all over again. After getting someone on the phone they talk down to you like you do not understand anything and pretty much tell you to shove it. That everything your dealing with is your problem and not theres'.
1
January 25, 2022

CNolte

"Your car was stolen yes, no we will not cover"- CFI

Unfortunately my husband was a victim of car theft but was thankfully not harmed. Having left his car in a gated driveway, his car was stolen. We imagine they had an antilock system/software or found his keys lying nearby as there was no 'evidence' of forcible entry and/or tampered with the gates when trespassing on private property. * Criminal sophistication these days is unparalleled so to say there is no evidence of forcible entry is naive,...
Unfortunately my husband was a victim of car theft but was thankfully not harmed. Having left his car in a gated driveway, his car was stolen. We imagine they had an antilock system/software or found his keys lying nearby as there was no 'evidence' of forcible entry and/or tampered with the gates when trespassing on private property. * Criminal sophistication these days is unparalleled so to say there is no evidence of forcible entry is naive, outdated and simply irrelevant in this case. Period. Doing the right thing, he called the police and his insurance company immediately upon realization and handed over the CCTV footage once he obtained this. First insurance DENIED this claim. First Chigaco admitted/agreed that the car was stolen, absolutely there was no speculation surrounding this- its on the CCTV footage. You can clearly see the thief robbing surrounding cars and then managing to enter his car (still unknown as to how). However, First Chicago decided that the car was not stolen 'aggressively enough' to warrant a claim. We were sent a denial letter stating that they will only cover forcible entry of a stolen car, not just simply a stolen car. The car basically has to be stolen in an aggressive manner only, not just stolen.... Now, you can only imagine the devastation this can cause to a human life. Not only did that car still have a balance owed (which the gap insurance would cover if First Chiago would pay out something- $100 even but of course they didn't), but my husband would not have to buy another car. A young man, doing the right thing to be smacked in the face and laughed at by Chicago First. To witness my husband for the first time in his life break down, shut down and panic beyond belief was one of the most traumatic things to witness. A sudden shock of looming debt, inability to travel 'aggressively' changes the course of his next 5 years perhaps. It is sickening to think that your company would proudly KILL off a human financially just to not have to pay out on a comprehensive cover policy. I am dismayed at the lack of sheer understanding, empathy of solution offering on this matter. A simple denial letter and I'm sure a celebration of a target reached to NOT take care of your loyal customers. Utterly sickening. Thank goodness the Lord himself witnessed your FOUL play and the car was eventually later recovered by CPD. Now, CPD did not notify my husband nor the insurance company that the car was found....yep the bad luck continues. Only by chance, did we call every tow company in Chicago to be surprised with the fact that the car was actually recovered a few weeks prior. A bill of 2K from the tow company (CPD even stated the facts of not notifying), and some obvious physical damage to the car interior/exterior- we thought to call Chicago First with the GREAT news of this new/adjusted claim would be a wonderful solution. NO, denied again because the care just wasn't stolen to their liking. The tow company were even that dismayed at the fact that you denied his claim they even gave us a discount.... And before you sit and reply with "under section 6 of your Policy we need to know there was forcible entry before we submit a claim" PROVE to us that an antilock system wasn't used, tell us how trespassing isn't forcible entry when you cannot prove the gate was tampered with and for the love of god, why a stolen car needs to be stolen aggressively to even warrant a claim on COMPREHENSIVE cover. How about a THEIF entering a car without permission being aggressive. Would you advise us to go out and fight the thief before the car is robbed? We need to prove forcible entry (and how are we meant to do this when the car is stolen...), how about YOU prove there wasn't forcible entry?! Also, the full policy was not ever set to my husband when buying insurance from you. What a further kick in the teeth that was. We were sent the full policy after the denial letter... So Chicago First, why would ANYONE come to you as customers if the above is how you respond to claims? Why do you find it ok to devastate someone financially/emotionally when they pay their comprehensive car insurance? To the decision maker and everyone else who denied his claim, (I will not put her name in here because we embody respect and empathy for human beings) I hope you go home happy knowing you almost devastated the life of a young man who was subject to an unfortunate car theft and did the right thing by turning over all the evidence he had. You are no better than the man who was eventually arrested for the car theft. To those reading this review, spread this message. You yourselves could be the next victims of Chicago First, the real thieves in this world. Shame on you. A fair rectification of this would be to pay for the tow company bill and the cost of the physical damage to the car. Although I'm sure your policy now states that unless damaged by a flying unicorn, you cannot cover.
1
June 16, 2018

tuttasir

Scammers

This company weren't very helpful, they screw over their clients by giving them way less of what their money was really worth.
1
April 5, 2018

Teigh0315

First Chicago car insurance reviews on customer service!!!!!

My experience with first Chicago wasn’t the worst but it also wasn’t the best. The coverage was next to nothing and it was hard to actually get someone from the actual company on the phone ! I signed on with them through an agent in town that branches out to other agencies for you from his office, and I quickly got far away from that! I can say the payments were affordable
5
April 3, 2018

Wkeethers

Awesome company

This company is amazing. I’ve never had issues with them and they make it very easy. Highly recommend.
4
March 9, 2018

nicktegeler

Affordable, quick and insured

Policy was easy to start up and the starting monthly payment was very reasonable. I'd had several big insurance companies wanting almost $100 for the first payment on liability insurance! The sign up was easy and I received my ID cards as soon as my payment was taken. Start to insured time was roughly 25 minutes.
5
February 6, 2018

drycleanshorts

best insurance company ever!

I love this insurance company! ive never had any issues with them and they are always willing to work with you.
5
January 22, 2018

yesyesnhn

Yes Yes

Very good company. They had me in the office for about 40 minutes. I really like this company. Very nice agents.
5
January 10, 2018

darrelpoppino

Lower rates than most.

Good customer service and the rates for me are much lower than the competitors by 75 percent! You can makes monthly payments for a slight small fee or pay the whole amount to save another $30.00.
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