Independent insurance agency · Chicago, Illinois
Coverage you can trust,
arranged in minutes.
RateShield is an independent Illinois agency. A licensed agent compares top carriers for you and calls back fast with quotes you can actually buy. Free, no obligation, one call.
What we do
The whole market, one phone call.
Auto, home, and everything attached to them. We shop top carriers, translate the trade-offs into plain English, and tell you which quote actually wins.
Auto insurance
Liability, collision and comprehensive, uninsured motorist. Just bought a car? We arrange coverage fast, with proof of insurance the same day.
Home insurance
Dwelling, personal property, and liability coverage for Illinois homeowners, priced across carriers and matched to what your home actually needs.
Bundles
Auto and home with the same carrier usually earns a multi-policy discount. We price it both ways and show you whether bundling actually wins.
Also: condo, renters, landlord, and umbrella coverage. See every line we write
How it works
Tell us the basics
Sixty seconds: your vehicle, your ZIP, who drives. That is all we need to start. No documents, no account, no login.
We quote it apples to apples
A licensed agent prices the same coverage, same limits, same deductibles, across multiple carriers. That is the only comparison that means anything.
One call, bindable numbers
Real quotes you can act on. Like one? Coverage can start the same day, with proof of insurance in hand before you hang up.
Worth knowing
What actually moves your rate
Quotes feel random. They are not. Six factors drive most of the price of auto insurance, and every one is a lever. Pick one to see how it works.
Your driving record
Impact on your price
Accidents and tickets from roughly the last three to five years count against you, then age off.
Insurance should be easy and transparent: one call, plain English, real numbers, and nothing to chase.
About RateShield
An independent agency, built in Chicago.
RateShield is an independent insurance agency based in Chicago, founded and led by Jack Ray, a licensed Illinois insurance producer. Independent means we are not owned by a carrier and we do not push one company's products. We work for you.
So we compare the market, explain the trade-offs in plain English, and tell you honestly when your current policy is the one to keep. If we would not buy a policy ourselves, we do not recommend it.
How we get paid
Carriers pay us a commission when you choose a policy. Comparing is free, and you never pay us directly. Our incentive is simple: find you coverage you keep.
Licensed and local
Illinois licensed, Chicago based. When you call (773) 850-3801, you reach the agency itself.
Straight answers
If staying with your current carrier is your best move, that is exactly what we will tell you.
Common questions
Straight answers. If yours is not here, call us at (773) 850-3801 and ask a person.
Yes. Comparing quotes costs nothing and carries no obligation. If you choose a policy, the carrier pays us a commission. You never pay us directly.
A licensed Illinois insurance agent, calling from (773) 850-3801. No call centers, no pressure, one conversation.
During business hours your phone usually rings within a minute or two of your request, and once you pick a quote the policy itself takes minutes. After hours, first thing the next business day.
No. If your current policy is the better deal, we will tell you exactly that and leave it there.
The basics: your ZIP, your vehicle or home, and how to reach you. Your agent handles everything else.
Your details are shared only with the licensed agent handling your quote. We never sell your information.
For business owners
Run a dealership or a car wash?
Your customers need insurance at exactly the moment they are with you. RateShield gives your business a simple way to get them covered in minutes, with zero extra work for your team.
Ready when you are.
Sixty seconds to start. A licensed agent does the rest.