Learn How to Compare Farmington Hills Car Insurance Like a Pro

Feel like you’re a prisoner to overpriced car insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Many insurance companies vie for your business, so it’s not easy to compare every company and get the definite lowest rate

If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Finding the best rates in Farmington Hills is easy if you know what you’re doing. But Michigan drivers must learn how insurance companies market insurance on the web and use this information to your advantage.

Comprehensive Car Insurance Comparison in Farmington Hills, Michigan

There are a lot of ways you can shop for car insurance but one way is less labor-intensive and much quicker. You could spend your day talking to insurance agencies in Farmington Hills, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and at least one company returns a competitive quote for coverage. This saves time by eliminating quote forms for each company you want a rate for.

To use this form to compare rates click here to start a free quote.

The single downside to using this type of form is that you can’t choose which carriers to get quotes from. So if you want to select individual companies to request quotes from, we have a page of companies who write car insurance in Michigan. Click here for list of insurance companies in Michigan.

Which method you use is up to you, but make sure you use apples-to-apples information for each price quote. If you have differing limits it will be next to impossible to determine which rate is truly the best in Farmington Hills. Slightly different coverages may result in a large different in cost. And when comparison shopping, more quotes gives you a better chance of getting the best rates.

Discounts are available to cut your rates

Auto insurance companies don’t always advertise all their discounts in a way that’s easy to find, so we took the time to find some of the more common and the more hidden car insurance savings.

  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off with a few car insurance companies.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • No Accidents – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Drive Less and Save – Keeping the miles down can qualify you for a substantially lower rate.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, you’re out of luck.Farmington Hills MI car insurance quote

To see a list of companies who offer car insurance discounts in Michigan, click here to view.

Car Insurance through a local agent

Some people just want to buy from a licensed agent and that is OK! The biggest benefit of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.

Once you complete this form (opens in new window), your information is immediately sent to agents in your area who will compete to get your business. You won’t need to leave your house because quoted prices will be sent to your email. Now that’s easy! You’ll get the best rates AND an agent nearby.

Deciding on an insurer should depend on more than just the premium amount. Some important questions to ask are:

  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Will your rates increase after a single accident?
  • Do they specialize in personal lines coverage?
  • Are they full-time agents?
  • Do they assist clients in filing claims?

Not all insurance agencies are the same

When finding local Farmington Hills agents, you must know there are a couple types of insurance agents from which to choose. Agencies in Farmington Hills are categorized either independent or captive.

Captive Agents

Captive agencies can only place business with one company and examples are Allstate, Farmers Insurance or State Farm. They usually cannot give you multiple price quotes so keep that in mind. These agents are very knowledgeable in insurance sales and that can be a competitive advantage.

Listed below are Farmington Hills captive agents who may provide you with rate quotes.

Liberty Mutual Insurance – 34505 W 12 Mile Rd # 100 – Farmington Hills, MI 48331 – (248) 489-2800
State Farm Insurance – 28521 Orchard Lake Rd # A – Farmington Hills, MI 48334 – (248) 848-0070
Farm Bureau – 24380 Orchard Lake Rd – Farmington Hills, MI 48336 – (248) 471-9054
Farmers Insurance Group – 27260 Haggerty Rd # A2 – Farmington Hills, MI 48331 – (248) 488-2070

Independent Agents (or Brokers)

Independent agencies are not required to write business for one company but rather can write business with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part. When comparison shopping, it’s a good idea to get quotes from at a minimum one independent agency to have the most options to choose from.

Below is a list of independent insurance agents in Farmington Hills willing to provide rate quotes.

Goodman Agency Inc – 31420 Northwestern Hwy # L100 – Farmington Hills, MI 48334 – (248) 851-7300
Agency For Long Term Care Ins – 29171 Leesburg Ct – Farmington Hills, MI 48331 – (248) 489-1430
Brooke Insurance and Financial – – Farmington Hills, MI 48334 – (248) 855-6028
USF Insurance Co – 30833 Northwestern Hwy – Farmington Hills, MI 48334 – (248) 538-4530
J and M Agency – 27620 Farmington Rd # B6 – Farmington Hills, MI 48334 – (248) 848-9910

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For a complete listing of car insurance agents in Farmington Hills, please click here.

After getting answers to your satisfaction to all your questions and a good coverage price, you have narrowed it down to a car insurance agent that will properly insure your vehicles.

When should I use an insurance agent?

When it comes to choosing coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might help in determining if you could use an agent’s help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I afford low physical damage deductibles?
  • Who is covered by my policy?
  • What companies insure drivers after a DUI or DWI?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

More tips and info about car insurance is available at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can learn about specific coverages, get help finding coverage, view a list of available companies, and report car insurance fraud.

More effort can pay off

Lower-priced car insurance can be found both online and also from your neighborhood Farmington Hills agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed full coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.