Are you confused by the dozens of car insurance company choices in Flint? Lot’s of other consumers are too. You have so many companies to choose from that it can turn into a lot of work to find lower rates.
All major car insurance companies like Progressive, GEICO, Allstate and State Farm give insurance quotes on their websites. Getting online rates is quite easy as you simply enter your coverage preferences into the quote form. Behind the scenes, their rating system automatically orders credit information and your driving record and returns a price based on many factors.
This helps simplify price comparisons, but having to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you want to find better car insurance pricing.
The easiest way to locate the lowest prices is to use a quote form to get prices from many companies. This type of form saves time, eliminates repetitive work, and makes quoting online much simpler. As soon as you send your information, it is rated and you can choose your choice of the quote results.
If a lower price is quoted, you can click and sign and purchase coverage. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.
To quickly find out how much you can save on car insurance, click here and submit your coverage information. If you currently have coverage, we recommend you copy your coverages just like they are on your policy. This way, you will have comparison quotes for the exact same coverage.
Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply at the time you complete a quote, but a few need to be asked about prior to getting the savings.
Keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, it just doesn’t work that way. But any discount will cut your premiums.
To choose insurers with the best car insurance discounts in Flint, click here to view.
An important part of buying insurance is that you know the rating factors that help determine the price you pay for car insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to big savings.
The following are a few of the “ingredients” companies use to determine prices.
Some people would rather buy from a local agent and that is OK! The best thing about getting online price quotes is you can get the best rates but also keep your business local. Supporting local insurance agencies is important especially in Flint.
To help locate an agent, after submitting this form (opens in new window), your information is submitted to local insurance agents who will compete for your coverage. You won’t need to even leave your home as quotes are delivered to the email address you provide. It doesn’t get any easier! You’ll get the best rates and an insurance agent to talk to.
When researching a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Flint agents can either be independent or captive.
Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.
When comparison shopping, it’s recommended you include at least one independent agent to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies which may provide better rates.
Listed below is a short list of independent insurance agents in Flint that are able to give rate quotes.
These agents can only write with one company like AAA, State Farm, Farmers Insurance and Allstate. They usually cannot compare other company’s rates so it’s a take it or leave it situation. Captives receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a captive agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Below is a short list of captive insurance agencies in Flint that are able to give price quote information.
To view a full list of Flint captive agents, go to this page.
Picking an auto insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:
After getting answers to your satisfaction to any questions you have and a low price estimate, you may have just found an insurance agency that will properly service your car insurance policy.
When choosing coverage, there really is not a cookie cutter policy. Everyone’s needs are different.
Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
More information can be found on the Michigan Office of Financial and Insurance Regulation website found here. Michigan consumers can get help finding coverage, file complaints about an insurance agent or broker, and learn about specific coverages.
Companies like Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. All the ads make the same claim that you can save if you move to them. But how can every company make the same claim?
Insurance companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a driver they prefer might be profiled as between 25 and 40, has no tickets, and has great credit. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when switching.
Potential insureds who do not match this ideal profile will be quoted higher prices which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s why companies can truthfully advertise the savings.
This emphasizes why drivers should compare as many rates as you can. It’s just too difficult to predict which company will fit your personal profile best.
Consumers change insurance companies for a number of reasons such as delays in paying claims, policy cancellation, being labeled a high risk driver or unfair underwriting practices. Whatever your reason, switching car insurance companies can be pretty painless.
As you shop your coverage around, make sure you don’t buy poor coverage just to save money. Too many times, someone sacrificed uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the best price.
Cheaper car insurance is available online as well as from independent agents in Flint, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.