Disclaimer: Accurate Auto Insurance is not affiliated with, endorsed by, or connected to Freeway Insurance in any way. Freeway Insurance is an independent, competing business, and all names and marks referenced on this page belong to their respective owners. This page is published for informational purposes so Illinois drivers can shop with confidence, and it reflects publicly available information at the time of writing. Coverage options, rates, and locations change, so please confirm details directly with each company. If you are currently insured through Freeway, we will do everything we can to beat your rate on comparable coverage.
Switch and Save: Freeway Insurance to Accurate Auto Insurance
Insured through Freeway and wondering if you are paying too much? Send us your policy. We will shop the same coverage, show you the difference in writing, and handle the switch — including your SR-22 — so there is never a gap.
Freeway Insurance is a national brand, and their advertising is probably how you found them. Accurate Auto Insurance has been writing Illinois policies since 1992 out of eight offices we own ourselves, for many of the same drivers: SR-22 filings, suspended or revoked licenses, tickets, accidents, rideshare drivers, and people who need proof of insurance today. Both of us shop carriers on your behalf, so the real question is not whose ad you saw. It is who you are dealing with after the sale — and whether anyone re-checks your rate a year from now.
Why drivers switch to Accurate
Our offices are ours
- Freeway sells franchises — the office you walk into is independently owned and operated
- Our eight Illinois offices are company-owned, with staff who stay
- Service should not depend on which franchisee happens to hold your ZIP code
A local number, not an 800 number
- Freeway publishes one national quote line and a separate national customer service line
- Every Accurate office has its own direct number — Rockford, Peoria, Elgin, Joliet, Oak Brook, South Holland, Oak Lawn, Chicago
- Call back next month and you reach the same office, not a queue
We re-shop your renewal
- Most non-standard policies get quoted once and then quietly renew
- We re-run your rate as tickets and accidents age off your record
- We will tell you when we cannot beat your current price
How to switch in three steps
STEP ONE
Send us your declarations page
It is the page listing your coverage limits. Photograph it and text or email it over. This is how we match your coverage exactly instead of quoting you something thinner and calling it a savings.
STEP TWO
We shop the same limits
We run your record across our carriers and show you the difference in writing. No credit check, and every driving record is welcome. If Freeway already has you at the better price, we say so.
STEP THREE
We start you before you cancel
Your new policy goes active first, and we file any SR-22 electronically so your record never shows a gap. Then you cancel the old policy and the carrier refunds your unused premium.
You are not locked in. Auto insurance is not a lease. You can change carriers in the middle of a term, any day of the week, and the money you already paid for coverage you will not use comes back to you.
SR-22 and high-risk drivers
Most drivers shopping us against Freeway are dealing with something specific: a court-ordered SR-22, a suspended or revoked license, a DUI, a lapse in coverage, or a string of tickets that sent the premium through the roof. Both agencies write these policies. What matters is the turnaround, and the price you are left paying once the filing is behind you.
- SR-22 filings submitted electronically to the Illinois Secretary of State — often the same day you call.
- Suspended, revoked, out-of-state or no license? None of that automatically disqualifies you, and we know which carriers price it reasonably.
- Non-owner SR-22 available if you need a filing but do not own a vehicle.
- Rideshare drivers — Uber and Lyft coverage handled without the guesswork.
- No credit check, and your documents and ID card are emailed to you as soon as you are covered.
- Tickets, accidents and lapses get re-shopped as they age off your record. Your rate should not be frozen at your worst year.
More than the minimum, if you want it
A switch is a good moment to look at what else is riding on one bill. Alongside auto, Accurate writes motorcycle, renters, homeowner’s and life coverage, and our I-Help Motor Club adds 24-hour roadside and travel service. We also write in Indiana, Wisconsin, Michigan, Ohio, Missouri, Texas, Arizona, Nevada, New Mexico, Mississippi and Pennsylvania, so a move does not have to mean starting over with a stranger.
Get a side-by-side quote in minutes
Send us your current Freeway policy and we will shop the same coverage. If we cannot beat it, we will tell you.
Frequently asked questions
Is Accurate Auto Insurance the same company as Freeway Insurance?
No. Accurate Auto Insurance and Freeway Insurance are separate, unaffiliated companies. We are a direct competitor, and this page is published so Illinois drivers can compare the two before buying.
Is Freeway Insurance a franchise?
Freeway advertises franchise opportunities on its own website, which means many local Freeway offices are independently owned and operated by a franchisee rather than by the brand itself. That is a normal way to build a national footprint quickly, and plenty of franchisees run excellent offices. It does mean the experience can vary from location to location, and that the people in your office are not necessarily the brand you signed with. Accurate’s eight Illinois offices are all our own.
Can Accurate Auto Insurance beat my Freeway rate?
Often, yes — but not always, and we will not pretend otherwise. Both agencies shop carriers, so this comes down to which carriers each of us reaches for your record and how it gets presented. Send us your declarations page and we will quote identical limits. If Freeway already has you at the better price for the same coverage, we will say so and you should stay put.
Can I switch from Freeway in the middle of my policy term?
Yes. Auto insurance is not locked to a term the way a lease is. You can change carriers at any time, and the previous carrier refunds unused premium. We start your new policy first so you are never uninsured, which matters especially if you carry an SR-22.
Will switching create a gap in my SR-22?
Not if it is handled in the right order. We bind your new policy and file the SR-22 electronically with the Illinois Secretary of State before you cancel the old one. Cancel first and you risk a lapse, which can restart your filing period — so let us sequence it.
Do I get my money back from my old policy?
Yes. Once you cancel, the carrier refunds premium you paid for coverage you will not use. The refund comes from the carrier, not the agency, and it is prorated to your cancellation date.
Do I have to visit an office to switch?
No. You can get quoted, sign and pay by phone or online, and receive proof of insurance electronically. If you would rather sit down with someone, our eight Illinois offices are open six days a week.
Advertising disclaimer: This page is advertising published by Accurate Auto Insurance. Accurate Auto Insurance is not affiliated with, sponsored by, endorsed by, or otherwise associated with Freeway Insurance or Freeway Insurance Services America, LLC. “Freeway Insurance” and any related names or marks are the property of their respective owners and are used here only to identify a competing business for the purpose of comparison. Information about Freeway Insurance is based on publicly available sources, including Freeway’s own website, believed accurate as of the last page update and may change without notice. Statements about savings are not a guarantee; rates depend on your driving record, vehicle, location, coverage selections and carrier underwriting. Coverage is subject to policy terms, conditions and exclusions. Last reviewed: July 2026.
