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Karstens Financial Insurance, Independent insurance agency in Oak Brook, IL
Licensed in AZ, AR, CA, CO, DE, FL, GA, KY, IN, IL, IA, MI, MO, MT, NJ, NY, OH, SC, TN, TX, VA, WI, WA, WY
4.97(59)Karstens Financial is an independent insurance broker and financial advisor that shops the market across 200+ top-rated carriers. The agency positions itself as a single point of contact for insurance and financial needs, offering claims assistance, advocacy, and multi-state service.
Contact info
Location & business hours
Business hours
- Sun
- Closed now
- Mon
- 9:00 AM–5:00 PM
- Tue
- 9:00 AM–5:00 PM
Feel free to call or text or email outside of business hourss.
What do you need covered?
Hi, I'm Jake, Founder of Karstens Financial Insurance. A licensed agent on my team reviews every quote. Meet Jake →
Quick answer
Karstens Financial Insurance at a glance
Karstens Financial Insurance is an independent insurance agency in Oak Brook, IL. It compares 46 carriers including Allstate, Appalachian and American Modern for auto, home, business and more. Customers rate it 5.0 out of 5 across 59 reviews.
- Agency type
- Independent — not tied to one insurance company
- Carriers compared
- 46 — Allstate, Appalachian, American Modern, …
- Coverage
- 26 lines — auto, home, business, life, health, …
- Licensed in
- AZ, AR, CA, CO, DE, FL, GA, KY, IN, IL, IA, MI, MO, MT, NJ, NY, OH, SC, TN, TX, VA, WI, WA, WY
- Serving
- Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Kentucky, Indiana, Illinois, Iowa, Michigan, Missouri, Montana, New Jersey, New York, Ohio, South Carolina, Tennessee, Texas, Virginia, Wisconsin, Washington, Wyoming, Hinsdale, Clarendon Hills, Oak Brook, Lake Forest, Lake Bluff, Winter Park, Orlando, Tampa, Miami and Fort Lauderdale
- Rating
- 5.0 out of 5 · 59 reviews
Getting a quote
How to get a quote from Karstens Financial Insurance
How it works
- 1Use the quote links on the website or client login page.
- 2Complete the applicable quote form with contact information and coverage details.
- 3A Karstens advisor follows up.
What to have ready
- name
- phone
- policy or coverage details depending on line
No Social Security number needed to start.
Coverage we offer
Insurance coverage in Oak Brook, IL
Personal
- AutoProtects against financial burden from car accidents, damage, theft, vandalism, natural disasters, and medical costs.
- HomeCovers unexpected damage to the home from fire, storms, theft, vandalism, and natural disasters, and can provide liability protection for injuries on the property.
- LifeHelps loved ones recover from financial loss after death by covering funeral costs, debts, estate planning needs, and education obligations.
- HealthProvides coverage for medical, surgical, diagnostic, laboratory, prescription, routine, and hospital expenses.
- Disability
- Flood
- UmbrellaPersonal umbrella coverage with primary and excess limits, monoline comprehensive personal liability, and uninsured/underinsured motorist options.
- Collector Cars
- Aviation
- Maritime
- High Value Home
- Homeowners
- Auto & Motorcycle
- Pet
- Cell Phone
- Travel Insurance IMG
Business
- BusinessProvides property, liability, business interruption, and employee injury protection for businesses.
- Cyber Liability
- Workers Compensation
- Errors & Omissions - Professional Liability
- Property
- BondsKarstens offers surety bond quoting for contractors and other needs, including bid, license and permit, maintenance, payment, performance, site improvement, and subdivision bonds.
- USL&H Workers Compensation
- Accounts Receivable
- EPLI
- Real Estate
- Businesses we insure
- Architects & Engineers, Amazon Delivery, Aviation, Bars & Taverns, Contractors, Distributors & Wholesalers, Healthcare, Hotels And Motels, Home Healthcare, Illinois Home Inspectors, Maritime, Real Estate, Technology E&O, Trucking, Uber & Lyft
- Carriers
- Allstate, Appalachian, American Modern, Attune Insurance, Bristol West, Guard Insurance, BiBerk, Berkshire Homestate, chubb, Coterie Insurance, CNA, Cowbell, dovetail, Foremost Insurance Group, Hagerty, hartford, Hiscox, Hippo, Openly, Main Street America Insurance, Markel, Liberty Mutual Insurance, MetLife, mercury Insurance, Nation Wide, NCCI, Philadelphia Insurance Companies, Progressive, Pie Insurance, Tokio Marine, USLI, Vacant Express, All Risks, Ascendant Insurance Solutions, Heritage Insurance, Orchid, UNIV, Humana, Blue Cross Blue Sheild, Leaders partners Inc, Allstate Benefits, Flex, Benefit Mall, National General Insurance, BCBS TX, Aetna
Already a customer?
Karstens Financial Insurance customer service
Report a claim
Call your insurance company's claims line — open 24/7. Karstens Financial Insurance will help you follow up.
After hours: The agency says clients may call, text, or email outside business hours.
- Make a payment
- Payments can be submitted online through https://karstensfinancial.com/pay/ using Simply Easier Payments, and the client center also offers a Make Payments option.
- Change a policy
- Clients can request changes through the location change/service portal form or the Client Center request change option.773-657-8400
- Certificates
- The business says it has fast turnaround time with certificates of insurance, and clients can get certificates through the Client Center.
- ID cards
- Clients can get ID cards through the Client Center at https://karstensfinancial.com/client-login/ or via the service portal shown on service pages.
- Coverage review
- Karstens Financial offers a complimentary insurance and finance review to review current situation, policies, risks, goals, and discount opportunities.
- Client portal
- Sign in to your account →
- Your service team
- Vinnie Gattoni, Manager of our Account Management Team
- Claudia Obeso, Account Manager
Reviews
Karstens Financial Insurance reviews
Customers mention fast responses, helpful service, strong support from advisors, good rates and easy service experience.
Our team
Karstens Financial Insurance agents
Visit us
Karstens Financial Insurance offices
- Oak Brook, IL1415 W 22nd St Tower Floor, Oak Brook, IL 60523Mon–Fri 9:00 AM–5:00 PM; Sat–Sun closed773-657-8400Directions →
- Florida Office695 Minnesota Ave, Winter Park, FL 32789By appointment onlyDirections →
- Mailing Address1608 S Ashland Ave Ste 55278, Chicago, IL 60608No overnight packagesDirections →
- Hinsdale119 E Ogden Ave Suite 204, Hinsdale, IL 60521855-657-8400Directions →
FAQ
Karstens Financial Insurance FAQ
Will my rate go up if I switch?
No. Getting a quote doesn't change your current policy or rate. Karstens Financial Insurance compares 46 carriers and shows you the options side by side. You only switch if a new policy saves you money or covers you better.
Do you charge a fee?
There is no charge to get a quote from Karstens Financial Insurance. Any fee on a specific policy is shown to you before you buy.
Is Karstens Financial Insurance independent?
Yes. Karstens Financial Insurance is an independent insurance agency, so it isn't tied to one company and can quote 46 carriers.
How do I get a quote?
Use the chat on this page, call 773-657-8400 or visit the office at 1415 W 22nd St Tower Floor, Oak Brook, IL 60523. It takes about 2 minutes and you don't need your Social Security number.
How do I file a claim?
Call your insurance company's claims line — the numbers are listed on this page under "Already a customer?". Karstens Financial Insurance can help you follow up at 773-657-8400.
Should I buy cheap car insurance?
Besides price, consider what is not covered, the level of personal service, claim assistance, and the insurer’s financial stability.
Do Young Men pay more than Young Women for Car Insurance?
Statistics show young men have more accidents and claims, though recent years have shown claims from young women rising so the rate difference may be smaller.
Can I drop my collision coverage?
Discuss your vehicle’s value and your risk tolerance with your agent, and check with your lender if you have a loan because they may require collision coverage.
Whether my car is three years old or brand new, does my insurance buy me a new car if it is wrecked beyond repair?
Normally no; most insurers pay market value, though replacement cost coverage may pay full repair cost or replace a newer vehicle depending on the policy.
Do I need medical payments coverage on my car policy when I have good health insurance?
Medical expense coverage can also protect passengers in your vehicle who may not have adequate medical insurance.
Do I need uninsured motorist or underinsured motorist coverage when there's a mandatory insurance law, and what does it cover?
Yes, because not everyone complies with the law or carries enough limits; it generally helps with medical bills, lost wages, and injuries for you and your passengers when the other driver is at fault and inadequately insured.
Who we are
About Karstens Financial Insurance
Recognition
- Member of
- EZLynx
- Licensed in
- AZ, AR, CA, CO, DE, FL, GA, KY, IN, IL, IA, MI, MO, MT, NJ, NY, OH, SC, TN, TX, VA, WI, WA, WY
- Legal name
- Karstens Financial LLC
Ratings across sites
| Arrivala | 5.0(59) |
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