Your Local Frankfort Insurance Agency
Also Serving Tinley Park, Orland Park, Mokena & New Lenox
For more than a decade, the team at Edward Wilkins has helped families and businesses in Frankfort and the southwest suburbs get clear, reliable coverage with Farmers® Insurance — right here at home.
Insurance Shouldn’t Be Confusing — Or Distant
Insurance gaps only show up when it’s too late.
Don’t wait until after an accident or storm to realize your coverage fell short.
As your local Farmers® agent in Frankfort, Edward and his team make sure families stay protected when it matters most.
Call Centers Don’t Know Your Neighborhood
Big 1-800 numbers treat you like a file, not a neighbor. With Edward, you get real local guidance right here in Frankfort.
Cheap Plans Disappear When You Need Them
Cheap online insurance looks good until the fine print leaves you stranded. Edward makes sure your coverage is there when it counts.
Don’t Wait Until Disaster Strikes
Too many families only find gaps after an accident or storm. Get protected now — before you’re paying out of pocket.
Meet Edward Wilkins — Your Local Guide in Insurance
Serving Frankfort & Southwest Suburbs Since 2012.
For more than a decade, Edward and his team have been helping families and businesses in Frankfort, Tinley Park, Orland Park, Mokena, and New Lenox protect what they’ve worked hard for.
As your local Farmers® Insurance agency since 2012, the team at Edward Wilkins brings national strength backed by personal attention. You’ll never be routed to a call center — when you call, you talk directly to The Wilkins Group, right here in Frankfort.
Coverage Made Simple for Local Families & Businesses
No matter where you live in Chicago’s southwest suburbs, Edward makes coverage simple:
Home/Renters Insurance
Safeguard your home, condo, or apartment with flexible protection for where you live.
Auto Insurance
Protect your car and family with reliable coverage and award-winning claims service.
Motorcycle Insurance
Ride with confidence thanks to coverage for your bike, accessories, and trip interruptions.
Umbrella Insurance
Add an extra layer of security that shields you from life’s unexpected and costly “what ifs.”
Life Insurance
Plan ahead with term or whole life options designed to protect your loved ones long into the future.
Business Insurance
Secure your business with property, liability, and Buy-Sell Agreement protection you can count on.
Every year, rates change. Don’t miss the chance to lock in coverage before premiums rise.
Specialty & Adventure Coverage
From boats and personal watercraft to RVs, ATVs, and 5th wheels — Edward offers specialized coverage designed for the way locals in Frankfort, Tinley Park, Orland Park, Mokena, and New Lenox actually live. Don’t find out too late that your weekend toys weren’t fully covered.
Boats & Watercraft
Protection for your boat, jet ski, or personal watercraft so you can enjoy the water worry-free.
RVs & Motorhomes
Coverage for your RV, camper, or motorhome whether you’re parked, in storage, or on the move.
ATVs & Off-Road Vehicles
Specialized protection for your four-wheelers and off-road vehicles built for recreation and adventure.
Trailers & 5th Wheels
Coverage for travel trailers and 5th wheels so your getaways go off without a hitch and stay on track.
Why Your Neighbors Choose The Wilkins Group
Trusted by families and businesses across Frankfort, Tinley Park, Orland Park, Mokena, and New Lenox since 2012.
Local Service, National Strength
Backed by Farmers® but rooted right here in Frankfort.
Trusted for More Than a Decade
Serving families and businesses since 2012.
Always Here, Always Accessible
Available Monday–Friday, 8:30 AM–5:30 PM.
Personalized Policy Quotes
Every policy tailored to your needs.
Focused On the Local Community
Serving Frankfort, Tinley Park, Orland Park, Mokena & New Lenox.
Real People, No Call Centers
When you call, you talk to Edward’s team directly.
Cutting Insurance to Save Money? Here’s What You Risk Losing
Cutting Insurance to Save Money? Here’s What You Risk Losing
Nearly 1 in 4 Americans say they have downgraded or dropped insurance coverage to put more cash in their pockets. It’s tempting—especially with rising costs everywhere—but the risks can be surprising, severe, and long-lasting.
Imagine: Your monthly budget is stretched thin. Dropping your car insurance seems like a quick fix. But what’s the cost if you end up in an accident tomorrow—or face a sudden ER visit with no coverage at all?
Key Stat: 24% of Americans have dropped or downgraded insurance for financial relief (Source: CNBC)
Which Insurance Policies Are Most Likely to Get Cut?
- Auto Insurance: 15% have cut or dropped their policy.
- Health Insurance: 8% reduced or ended their coverage.
- Homeowners Insurance: 5% risk being uninsured for property damage or liability.
Top Insight for Illinois Families: Cutting back on coverage feels like a solution, but just one uninsured accident or emergency can set you back tens of thousands of dollars. At Wilkins Insurance, we’ve seen firsthand how quickly these decisions can turn from relief to regret.
What Are the Real Financial Risks?
| Situation | Out-of-Pocket Cost |
|---|---|
| Minor Car Accident | $5,000+ |
| Major Car Accident (Injury/Liability) | Up to $60,000 |
| Average ER Visit (with no insurance) | $2,715+ |
| Home Fire / Major Property Damage | $10,000–$250,000+ |
Yes, dropping insurance can save a few hundred dollars a year. But even a single emergency—like a broken arm or fender bender—can erase those savings many times over. The risk isn’t just financial; it’s about protecting your family’s stability and peace of mind.
What Does the Law Require? Watch Out for State Mandates
- Auto Insurance: Most states, including Illinois, require you to carry minimum auto insurance. If you drive without it, you risk major fines—and if you cause an accident, you could be personally sued for all damages.
- Uninsured/Underinsured Motorist (UM/UIM): Required in 22 states + D.C. Protects you when you’re hit by an uninsured driver
- Health Insurance: Only 5 states + D.C. require it. Most states (including Illinois) do not penalize you for lacking coverage—but you assume full financial risk if something goes wrong.
- New Hampshire: Unique—no general auto insurance mandate, but you must prove "financial responsibility" to the tune of $100,000+ if you’re at fault in an accident.
What Are Your Smarter Options? (Hint: There’s a Better Way)
- Reduce—don’t remove: Raise your deductible or lower coverage on older cars, but always keep core protection (liability, health minimums, homeowner’s basics).
- Shop smarter: Bundling policies, reviewing discounts for things like safe driving or home security can save you hundreds while still keeping you protected.
- Work with a local expert: Big-box online policies look cheap, but local agents (like us) help you avoid costly gaps that can ruin those “savings.”
Making the Decision: A Quick Insurance Safety Checklist
- What’s the most I could lose if I dropped this insurance?
- What are the state or lender-required minimums for my coverage?
- Can I raise my deductible for a lower payment (if I have the savings to cover it)?
- Have I asked about bundling, loyalty, or home security discounts?
- What’s my plan if something goes wrong tomorrow?
Never assume a quick cut is the safest saving. Talk to a pro first.
Wilkins Insurance: Your Local Resource for Smarter Coverage
We’re more than a policy number. For families and business owners in Frankfort, Tinley Park, Orland Park, Mokena, and New Lenox, we blend national strength (Farmers® Insurance) and local expertise to give you the right coverage before you need it.
- Prevent costly coverage gaps—don’t cut corners, cut costs the smart way.
- Get a quick quote or policy review—there’s no obligation, just insights.
- Ask us about new ways AI is personalizing insurance solutions for your needs.
Ready to keep your finances—and your family—secure? Book your insurance review now!
About Wilkins Insurance: Serving Frankfort and the south suburbs, we combine clear, honest advice with digital tools and AI-backed solutions—so you’re never left exposed. Let’s protect what matters most, together.
Testimonials
Don’t take our word for it, hear what our happy clients have to say...
"I have worked with the SLP team for years. They have always provided me with great advise and there service as be the best around."
Nathan Klug
"I always hate having to renew my insurance, but the SLP Insurance team has made it easy for me to take care of all my needs in one place. Thanks!"
Kenneth McCreery
The right coverage can’t wait until after an accident or storm. Protect your family and business today with Edward Wilkins — your local Farmers® Insurance agent in Frankfort.