How to Find the Lowest Price on Flint, MI Car Insurance

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.

Comprehensive Flint Car Insurance Comparison

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.

Pay less by taking advantage of discounts

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.

  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
  • Fewer Miles Equal More Savings – Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Multi-policy Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.

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.

Get Cheaper Rates by Understanding Pricing

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.

  • More performance means more cost – The type of vehicle you drive makes a significant difference in the rate you pay. Small economy passenger cars usually have the lowest rates, but other factors influence the final cost greatly.
  • Where you reside plays a part – Living in small towns and rural areas can save you money when it comes to car insurance. Less people living in that area means reduced accidents and a lower car theft rate. Urban drivers have to deal with traffic congestion and much longer commute distances. More time on the road means higher likelihood of an accident.
  • Protect your assets with liability insurance – Liability coverage provides coverage if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Poor driving leads to higher costs – Even one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. If you have flagrant violations such as DUI or reckless driving may find they need to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Being married is a good thing – Having a spouse helps lower the price on car insurance. Having a spouse is viewed as being more mature and it’s proven that drivers who are married are more cautious.
  • Car features impact rates – Driving a car with an alarm system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Pleasure use saves money – Driving more miles each year the more you will pay for car insurance. The majority of insurers charge to insure your cars determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage properly reflects the proper vehicle usage, because it can save money.

What about using a local agent?

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.

Flint car insurance agents come in two flavors

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 insurance image

Independent Agencies or Brokers

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.

  • Jameson Westenbarger Agency – 2442 E Maple Ave – Flint, MI 48507 – (810) 742-8333
  • Gard Insurance Inc – 4101 W Pierson Rd – Flint, MI 48504 – (810) 785-5525
  • E S Evans Insurance – 1633 Jane Ave – Flint, MI 48506 – (810) 238-0991
Captive Insurance Agents

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.

  • State Farm Insurance – 5112 W Pierson Rd – Flint, MI 48504 – (810) 732-8910
  • Allstate Insurance – 5406 Gateway Ctr – Flint, MI 48507 – (810) 234-7610
  • Farm Bureau Insurance – 6070 Fenton Rd – Flint, MI 48507 – (810) 424-3300
  • Farmers Insurance Group – 1342 W Bristol Rd – Flint, MI 48507 – (810) 767-2291

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:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do they make recommendations based only on price?
  • Does the company allow you to choose your own collision repair facility?
  • Do they regularly work with personal auto policies?
  • What insurance company do they write the most business with?

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.

What is the best insurance coverage?

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.

  • Does my vehicle qualify for pleasure use?
  • Am I covered when delivering products for my home-based business?
  • How much underlying liability do I need for an umbrella policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Where can I get insurance after a DUI in Michigan?
  • Do I have coverage if my license is suspended?
  • Do I benefit by insuring my home with the same company?
  • Does my personal auto insurance policy cover using my vehicle for business use?

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.

Also read more on this Car Insurance FAQ and this link where you can get more info about Flint car insurance.

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Are car insurance companies telling the truth?

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.

Affordable insurance is out there

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.