Will switching to Lapera actually save me money?

Often, yes, but we start with coverage, not price. We optimize your insurance: the right coverage, honest advice, and a fair price. Most of the savings come from bundling, Farmers discounts online carriers can't unlock, and cutting coverage you're paying for but don't need. Bring your current declarations page and we'll walk through it line by line.

I own a home and have two cars. What does bundling really save me?

Bundling home and auto with Farmers unlocks a multi-policy discount on both policies, usually one of the largest discounts available, and it grows when you add umbrella, life, or a motorcycle or boat. Homeowners with two or more vehicles are exactly who we work with every day, and the math almost always works in your favor versus paying two carriers separately.

My teenager just got their license. How bad is the damage to my rates?

It's real, but it's manageable. Adding a teen driver raises a premium, but there are several discounts most parents miss, good student, driver training, distant student (away at college without a car), the Farmers Signal safe-driving app, and multi-car pricing. We'll stack every one you qualify for before the new driver is added.

I'm already with GEICO / Progressive / State Farm. How painful is the switch?

Surprisingly painless. We handle the cancellation with your old carrier, time the transition so you're never uninsured for a single day, and most switches are done in one conversation, in our Grayslake office or over the phone. Any unused premium gets refunded to you by your old carrier, usually within a few weeks.

What actually happens when I have a claim?

You call us first. We stay by your side through the whole claim, we help you report it, explain what your policy covers, keep you posted on the adjuster's progress, and step in if something stalls. You're never dealing with it on your own, and you're never routed to a call center that doesn't know your name.

I was told I need an SR-22 in Illinois. What does that mean?

An SR-22 isn't insurance, it's a certificate your insurer files with the Illinois Secretary of State proving you carry the required liability coverage, usually after a DUI, driving uninsured, or too many violations. Illinois typically requires it for three years. We can write the policy and file the SR-22 electronically, often the same day, so you can get your license reinstated.

Lapera Insurance Agency | Farmers Insurance Agent, Grayslake IL

The right coverage. The right advice.

Lapera Insurance Agency has protected Lake County families, homeowners and business owners since 2007, the right coverage, honest advice, and a fair price. When life happens, we're by your side through the claim.

No commitment. Free consultation.

5.0★

Google Rating

2007

In Grayslake Since

40+

Years Experience

Home Insurance

Lake County homes, insured to real rebuild cost

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Bundle & Save

Auto Insurance

Coverage past the 25/50/20 Illinois minimum

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Condos & Townhomes

Condo Insurance

HO-6 walls-in coverage your association skips

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Apartments & Rentals

Renters Insurance

Everything you own, for a few dollars a month

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Income Property

Landlord Insurance

Rentals, two-flats, and the rent checks they bring in

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For Business Owners

Business Insurance

Coverage for the company you built, from an owner

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For Families

Life Insurance

Term and permanent options that keep plans intact

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Chain O'Lakes & Beyond

Recreational

Boats, RVs, motorcycles, and everything fun

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Back on the Road

SR-22 Filing

Illinois Secretary of State filing, often same day

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Bonds & Guarantees

Surety Bonds

License, contract and court bonds, often same day

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More ways we protect you. Coverage built around real life.

Bundling

Powerful savings.
Better together.

Pair your home and auto with Farmers and both get the multi-policy discount. One agent, one renewal, real savings.

HHome Policy
Dwelling + water backup

AAuto Policy
2 vehicles, full coverage

Bundled and covered
Multi-policy discount applied

Friendly Review

Your life changes.
Your coverage should too.

New car, finished basement, teen driver, a rental. Every year we re-check your plan together, free.

"Maya just got her license. Do we need to change anything?"

Friendly Review booked
15 min · with Joe

Beyond the Minimums

The state minimum
isn't a plan.

Illinois 25/50/20 rarely covers a real I-94 accident. We size coverage to what you actually have to protect.

25/50/20state minimum

Covers less than most new cars cost

Your plansized to your life

Home, savings & family accounted for

When It Happens

The day you
actually need us.

A real person who knows your policy, files the claim with you, and follows it to the finish. This is what you're actually buying.

!Rear-ended on Belvidere Rd · Grayslake
Everyone's okay

Claim filed with you
On the phone, 9 minutes

Followed to the finish
Check-ins until it's closed

New Homebuyers

Closing in 12 days?
We've got you.

Lender-ready binders, the mortgagee clause, and proof of coverage sent the same day. One less thing between you and the keys.

"We close Friday. Lender needs proof of insurance!!"

Binder sent to lender
Same day · 2:47 PM

🔑Keys on Friday
Covered from day one

Crossing the State Line

Moving to Wisconsin?
Same agent.

Licensed in Illinois, Indiana, Ohio, Tennessee and Wisconsin. A move to Kenosha or Milwaukee doesn't mean starting over.

ILGrayslake · home + auto
Since 2019

WIKenosha · new home
Rewritten, no gap

Same phone number
(847) 223-4747 · still Joe

Making the Switch

Already insured?
We handle the paperwork.

We compare, cancel the old policy, chase the refund, and notify your lender. About 15 minutes of your time.

OOld policy
Canceled for you

$Refund on its way
We chased it, not you

New plan active
Lender notified · zero gaps

More than a policy.
A partnership.

Joe Lapera and his team have served Grayslake and Lake County since 2007. Here's what working with us actually looks like, on the worst day and on the first day.

Lapera Insurance Agency proudly partners with Farmers Insurance and maintains access to more than 40 additional carriers and specialty markets, allowing us to provide customized solutions for personal insurance, commercial insurance, bonds and specialty coverages. See our carriers →

Client Reviews

What our clients say.

Real reviews from real neighbors in Grayslake and across Lake County.

5.0 ★★★★★ Google Reviews

★★★★★

Google

"There is a reason every review Joe and his team has is five stars. They are exceptionally great at their work. I was on a tight timeline to secure home insurance before a very quick (8-day) close on a house."

Rania El-Sorrogy

First-Time Homebuyer

"Our representative Lacy has been extremely helpful with dealing with our accident with an at fault driver's insurance company. Going above and beyond the normal call requirements for this situation. We highly recommend her."

Randall Lanman

Auto Claim

"The Laperas have always been good to my family. We have been with this agency since 1983 and I've never needed to shop insurance elsewhere. I've worked in a State Farm agency for the past 14 years, yet leave my cars and home insured here."

Lisa Acevedo

Client Since 1983

"Joe and his staff work their hardest to make sure all my needs are met! I highly recommend this agency. I use them for my home, auto, and business insurance."

Karen J Wills

Home, Auto & Business

"I've known Joe Lapera for a while now and I know he does what is best for his customers. Joe will review your current insurance policies and make sure you're covered for what YOU need. He won't try to sell you something not suited to your needs."

Nathan Raders

Policy Review

"Joe worked with me to provide me the right quote that worked for me. Not only did he save me money, but I now have better coverage. I'm very happy with my insurance shopping experience."

Google Reviewer

Better Coverage, Lower Rate