When shopping for auto insurance, picking a good Michigan car insurance agent is more difficult than just driving to the closest agent’s office. Consumers require a good professional insurance agent, and also competitive auto insurance rates.
Drivers have multiple insurance agencies to insure vehicles with, and although it’s nice to have multiple companies, having more insurance agencies makes it harder to compare rates and find the lowest cost auto insurance.
Compare Novi agent rates online
Educated insurance agents can answer important questions and help file insurance claims. The best thing about comparing rates online is that you can obtain the best rates but also keep your business local.
Upon completion of this form (opens in new window), your insurance data gets sent to local insurance agents in Novi who will return price quotes for your business. You won’t need to even leave your home since price quotes are sent to your email. How cool is that?! You can find better rates AND an agent nearby.
Picking a car insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:
- How are claims handled?
- Can glass repairs be made at your home?
- Do they regularly work with personal auto policies?
- Is the agent and/or agency licensed to do business in Michigan?
- Does the agency provide any after hours assistance?
- What will you get paid if your car is a total loss? How is that amount determined?
If you wish to view a list of agents in Novi to contact, visit this site.
Once you have received good answers to your questions and a low price estimate, you’ve probably found an auto insurance agent that can adequately provide auto insurance.
Buying car insurance direct is an option
Auto insurance agents are a valuable resource, but you can also buy Michigan car insurance directly from online companies. Certain auto insurance companies that sell primarily through agents also allow you to quote and buy online, and that can save time.
If you’re uneasy about not having an agent to talk to, don’t be too concerned. Companies provide phone numbers and online resources to help you decide which coverages are appropriate. Most companies also provide a frequently asked questions page so buying online is not difficult.
Do people save by buying online? Many people swear by it, but it’s difficult to answer since there are so many factors that influence how your policy is priced. It’s a logical assumption that purchasing direct online cuts out the agent as a middleman. But in most cases, marketing their products costs a lot of money and those expenses can offset most of the savings by selling direct.
Even more information can be read at the Michigan Office of Financial and Insurance Regulation website. Michigan consumers can read state legal mandates and laws, get help finding coverage, view a list of available companies, and find out industry alerts.
One last thing
When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. Too many times, consumers will sacrifice physical damage coverage only to find out that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.
Cheap auto insurance is possible both online in addition to many Novi insurance agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.