Concklin Insurance Agency, Inc.
240 S Westmore Meyers Road, Lombard, IL 60148
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Lombard households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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240 S Westmore Meyers Road, Lombard, IL 60148
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313 S Main St, Lombard, IL 60148
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246 E Janata Blvd, STE 140, Lombard, IL 60148
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310 S Main St, Ste C, Lombard, IL 60148
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Learn about insurance coverage options specific to Lombard residents.
Compare auto, home, and flood insurance in Lombard, Illinois. Learn IL requirements, average costs in DuPage County, and connect with local agents.
Car InsuranceLombard drivers pay ~$1,194/year for auto insurance. Learn Illinois's 25/50/20 requirements, at-fault rules, and how to save on coverage in DuPage County.
Illinois takes uninsured driving seriously. If you're caught without proof of insurance at a traffic stop, you face a minimum $500 fine and immediate suspension of your license plates. If you're ticketed and convicted, the fine increases to $500-$1,000, and your driver's license will be suspended for at least three months. Your car may also be impounded, and you'll need to file an SR-22 to reinstate your license.
It depends on your risk tolerance. While flood insurance is only required for homes in high-risk FEMA flood zones with federally backed mortgages, about 25% of flood insurance claims come from low-to-moderate risk areas. In Lombard, which has several FEMA-designated floodplains, even properties in Zone X can experience flooding during heavy rains. Low-risk properties often pay under $500 annually for flood coverage, which can be worthwhile peace of mind.
Illinois homeowners insurance premiums increased 50% between 2021 and 2024, driven by rising construction costs, more frequent severe weather events, and increased claim payouts. Major carriers like Allstate raised rates by 14.3% in early 2025 alone. This reflects a nationwide trend, but Illinois has been hit particularly hard. Shopping around with multiple carriers can help you find better rates despite the overall market increases.
Yes, most insurance professionals strongly recommend it. Illinois requires only 25/50/20 liability coverage, but a single serious accident can easily exceed those limits. Medical bills from hospitalizations often top $25,000 per person, and totaling a new car plus property damage can exceed $20,000. If you have significant assets like home equity or retirement savings, consider at least 100/300/100 coverage or an umbrella policy for additional protection.
Local agents understand DuPage County specifics—which neighborhoods have higher claims rates, how Metra commuters can save on auto policies, and what discounts apply to homes near fire stations. Independent agents can compare multiple carriers on your behalf, often finding better bundling options or specialized coverage. They also provide personalized service when you need to file a claim or adjust your policy as your life changes.
Bundling auto and home insurance with the same carrier typically saves 15-25% on your combined premiums. However, bundling doesn't always provide the best deal—sometimes buying from separate carriers costs less overall. A good local agent will compare both bundled and unbundled quotes across multiple carriers to find your actual lowest cost, taking into account your specific situation in Lombard.
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