Best Pricing for Michigan City Car Insurance Companies

To locate a good Michigan City agent, you can do an initial search for an agent online rather than picking up the phone. Chances are you not only want a highly trained agent, but you also want to find the lowest possible price.

With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Michigan City, it can be hard to know which will provide the best rates, service and coverage. Fortunately, consumers can use online price quotes to build a list of insurance agents to choose from.

Best way to find Michigan City agents

Educated insurance agents can answer important questions and help in the event of a claim. The biggest benefit of comparing insurance prices online is you may find lower rates and still have an agent to talk to. Buying from local insurance agencies is definitely important in Michigan City.

For easy comparison, once you complete this short form, the coverage information is immediately sent to local insurance agents who will battle for your insurance coverage. You never need to visit any agencies due to the fact that quote results will go to your email. It doesn’t get any easier! Get lower rates and an insurance agent to talk to.

Different types of auto insurance agents in Michigan City

When finding a good Michigan City insurance agent, you must know there are a couple different agency structures to choose from. Michigan City agents are categorized either independent or captive.

Independent Agents

Independent insurance agents do not work for one specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. When searching for an agent, we recommend you contact at least one independent agent to have the most options to choose from.

Below is a list of independent agencies in Michigan City that may be able to provide comparison quotes.

Davis Insurance – 211 Westwind Dr – Michigan City, IN 46360 – (219) 872-6903
Crowel Agency Inc – 170 Dunes Plz – Michigan City, IN 46360 – (219) 874-3800
Dolson Insurance – 450 Saint John Rd # 246 – Michigan City, IN 46360 – (219) 879-4524
A A Agency – – Michigan City, IN 46360 – (219) 874-1361

Captive Insurance Agents

Captive agents are contracted to one company such as State Farm, Allstate and AAA. They generally cannot compare other company’s rates so they have to upsell other benefits. Captive agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.

The following is a short list of captive agencies in Michigan City who can help you get price quotes.

Farm Bureau Insurance – 5416 N Johnson Rd – Michigan City, IN 46360 – (219) 872-0607
State Farm Insurance – 1401 S Woodland Ave # 2 – Michigan City, IN 46360 – (219) 879-4408
Allstate Insurance – 1812 E Us Highway 20 – Michigan City, IN 46360 – (219) 879-5357

For a full directory of Michigan City captive agents, visit this site.

Selecting an insurance agent should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:

  • What is the agency’s Better Business Bureau rating?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they specialize in personal lines coverage?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do they carry Errors and Omissions coverage?
  • How long has their agency been in business in Michigan City?

Once you have satisfactory answers for all questions you ask and a low price estimate, most likely you have located an auto insurance agent that can properly service your car insurance policy.

Consider every option when buying coverage

Car insurance agents are perfect for certain consumers, but Indiana car insurance can also be bought direct from companies online. Some car insurance companies like State Farm and Allstate who sell through agents in Michigan City also let you get a quote and buy online, and that is helpful as an alternative to contacting agents.

If you’re anxious about not receiving proper advice when shopping online, don’t let it bother you. Online car insurance companies that allow you to purchase coverage all have toll-free customer service to help you decide which coverages are appropriate. Most companies also provide live help and 24/7 access to make it easier to purchase.

Is it cheaper to buy car insurance online? Many people think so, but it’s hard to say for sure because there are many factors that determine your policy premium. It’s a logical assumption that purchasing direct online saves money by not requiring a commission. But the fact is, marketing their products costs a lot of money so the lack of a commission may be a wash.

compare Michigan City insurance agents

Summing up your car insurance search

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to buy enough coverage at an affordable rate.

Cheap car insurance is available online and also from your neighborhood Michigan City agents, and you should compare price quotes from both to have the best selection. A few companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Additional Indiana car insurance resources

More information is located on the website for the Indiana Department of Insurance located here. Indiana consumers can download brochures, report car insurance fraud, and read industry bulletins.

Also read more on these car insurance answers and this page on