Have you fallen victim to high-priced auto insurance? Trust us, there are lots of people in the same boat. There are many insurance companies to pick from, and even though it’s nice to have a choice, it can be more challenging to compare rates and cut insurance costs.
It’s important to shop coverage around quite often due to the fact that insurance rates trend upward over time. Even if you think you had the lowest price two years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance online but we’re going to give you some of the best ways to put money back in your pocket.
Buying car insurance in Saginaw is easy if you know what you’re doing. If you have insurance now or need a new policy, you can learn to find the best rates while maintaining coverages. Michigan vehicle owners just need to know the most effective way to shop their coverage around on the web.
Consumers need to have an understanding of the different types of things that help determine your auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in big savings.
Companies don’t always advertise every discount in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance. If you aren’t receiving every discount possible, you’re just leaving money on the table.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free auto insurance policy, you won’t be that lucky.
Some people prefer to sit down with an agent. Insurance agents can help determine the best coverages and give you someone to call. One of the great benefits of getting online price quotes is that you can obtain the lowest rates but still work with a licensed agent.
After completing this short form, the coverage information is submitted to insurance agents in Saginaw who will give you bids for your insurance coverage. You never need to even leave your home since price quotes are sent immediately to your email address. Now that’s easy!
Choosing an insurance company shouldn’t rely on just a low price. Ask your prospective agent these questions:
When finding local Saginaw agents, there are a couple of types of insurance agents to choose from. Agencies in Saginaw are either captive or independent. Both write coverage properly, but it’s good to learn the difference between them because it can influence the selection process.
Captive agencies can only write with one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. They are unable to shop your coverage around so always compare other rates. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.
Listed below are captive agents in Saginaw who can help you get price quotes.
Liberty Mutual Insurance – 4800 Fashion Square Mall # 460 – Saginaw, MI 48604 – (989) 249-0321
Allstate Insurance – 9790 Gratiot Rd – Saginaw, MI 48609 – (989) 781-5300
State Farm Insurance – 7680 Gratiot Rd # 4 – Saginaw, MI 48609 – (989) 781-0600
Farm Bureau Insurance – 2463 Tittabawassee Rd – Saginaw, MI 48604 – (989) 791-1576
Independent agencies are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, it’s recommended you contact multiple independent agents for the best price selection.
Shown below is a short list of independent insurance agencies in Saginaw who can help you get comparison quotes.
Emil Rummel Agency – 4120 Davenport Ave – Saginaw, MI 48603 – (989) 793-2100
Diane Bowen Insurance – 5490 Swan Creek Rd – Saginaw, MI 48609 – (989) 799-1606
Heritage Agency Inc – 6660 Gratiot Rd – Saginaw, MI 48609 – (989) 781-3010
D J Shreve Agency – 1213 S Washington Ave – Saginaw, MI 48601 – (989) 755-5442
Future Insurance Inc – 5580 State St # 1 – Saginaw, MI 48603 – (989) 799-8808
For a full directory of auto insurance agents in Saginaw, visit this site.
After getting satisfactory answers to these questions and locked in a price quote, most likely you have located a car insurance agent that will adequately provide auto insurance.
Additional detailed information can be read at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can read consumer alerts, find out which companies have the most complaints, and find a variety of consumer forms.
The cheapest auto insurance can be purchased on the web and with local Saginaw insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage and found out when filing a claim that they should have had better coverage. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.