Have you had enough of paying out the nose to pay your car insurance bill each month? You are in the same boat as many other drivers in Michigan. Consumers have many insurers to choose from, and although it’s nice to have a choice, too many choices makes it more difficult to adequately compare rates.
Consumers need to price shop coverage occasionally since insurance rates go up and down regularly. Despite the fact that you may have had the lowest rates two years ago other companies may now be cheaper. Starting right now, block out anything you think you know about auto insurance because it’s time to teach you the things you must know in order to save on auto insurance.
Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be manually applied in order for you to get them. If you don’t get every credit you qualify for, you are throwing money away.
Keep in mind that most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will reduce the amount you have to pay.
When choosing coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover whether you will benefit from professional help.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.
Some people prefer to get advice from a local agent and there is nothing wrong with that. Agents can point out coverage gaps and help submit paperwork. One of the great benefits of price shopping on the web is the fact that you can find the lowest rates and still have an agent to talk to. And supporting local insurance agencies is especially important in Sterling Heights.
For easy comparison, once you complete this short form, your coverage information is emailed to participating agents in Sterling Heights who will give you bids for your insurance coverage. You don’t have to even leave your home due to the fact that quote results will go to your email. How’s that for easy!<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-61.jpg" alt="Car insurance in Michigan” />
When searching for a reputable insurance agent or broker, you must know there are a couple types of agencies from which to choose. Agents are classified as either independent (non-captive) or captive. Both types can properly insure your vehicles, but it’s important to know the difference between them because it can impact buying decisions.
These agents are not employed by any specific company but rather can write business with many different companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. When searching for an agent, it’s recommended you include price quotes from several independent insurance agents for maximum quote selection.
Listed below is a list of independent agents in Sterling Heights willing to provide competitive price quotes.
Donovan Agency – 38825 Ryan Rd – Sterling Heights, MI 48310 – (586) 979-8408
Allied Insurance – 42560 Van Dyke Ave – Sterling Heights, MI 48314 – (586) 323-5700
Rhonda KERN Agency – 13468 15 Mile Rd – Sterling Heights, MI 48312 – (586) 268-4800
Specht Insurance Group LTD – 37717 Gertrude Dr – Sterling Heights, MI 48312 – (586) 826-8853
Terrien Agency – 4147 Metropolitan Pkwy # 104 – Sterling Heights, MI 48310 – (586) 978-2810
Captive agents are contracted to one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so they have to upsell other benefits. Captives are trained well in insurance sales which helps them compete with independent agents.
Shown below is a list of captive insurance agents in Sterling Heights that are able to give price quotes.
Farmers Insurance Group – 1999 15 Mile Rd – Sterling Heights, MI 48310 – (586) 977-7003
State Farm Insurance – 2295 Metropolitan Pkwy # 100 – Sterling Heights, MI 48310 – (586) 979-8444
Allstate Insurance – 33122 Dequindre Rd – Sterling Heights, MI 48310 – (586) 979-3292
Liberty Mutual Insurance – 14460 Lakeside Cir # 110 – Sterling Heights, MI 48313 – (586) 532-7298
To view a complete directory of captive insurance agencies in Sterling Heights, go to this page.
Deciding on an insurance agent shouldn’t rely on just the premium amount. Some important questions to ask are:
Upon receiving positive responses to your questions and locked in a price quote, you may have just found an insurance agent that will provide auto insurance coverage.
Additional auto insurance information can be found on the website for the Michigan Office of Financial and Insurance Regulation located here. Michigan consumers can find out which companies have the most complaints, file complaints about a company, learn about insurance regulations, and report car insurance fraud.
You just read a lot of information how to get a better price on auto insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.
When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. Too many times, an insured dropped collision coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.