Comparison Shop the Cheapest Car Insurance Rates From Agents in Southfield

When searching for a good Southfield agent, we recommend you start your search on the web rather than looking in the yellowpages. There is a good chance that not only do you want a great agent that can assess your needs, but you also want the best rates possible.

With companies like Allstate, Farmers, State Farm and many independent agents all competing for your business, consumers have a hard time knowing which will provide the cheapest rates and the best coverage. Fortunately, consumers can get online price quotes to assemble a group of agents to choose from.

Your local neighborhood insurance agent

Licensed agents are trained to spot inefficiencies and help file insurance claims. The best thing about getting online price quotes is you can get lower rates and still choose a local agent. And supporting local insurance agencies is important especially in Southfield.

After completing this quick form, your coverage information gets sent to agents in your area who will compete to get your business. There is no need to leave your house since price quotes are sent to the email address you provide. How cool is that?!

The difference between Southfield auto insurance agents

When searching for local Southfield agents, you need to know there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in Southfield are classified as either independent or captive. Both types can write coverage properly, but it’s worth mentioning how they differ because it can impact buying decisions.

Independent Insurance Agents

Independent agencies are not required to write business for one company so they have the ability to put coverage with lots of companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency. When comparison shopping, it’s recommended you contact at a minimum one independent agency for maximum quote selection.

Listed below is a list of independent insurance agents in Southfield who may be able to give you competitive price quotes.

Centennial Insurance Co – 3000 Town Ctr – Southfield, MI 48075 – (248) 354-5050
Abraham Benson Agency – 17251 W 12 Mile Rd – Southfield, MI 48076 – (248) 569-1190
Meemic Insurance-Cagwin Agency – 18877 W 10 Mile Rd # 106 – Southfield, MI 48075 – (248) 443-6823
Harold J Samuels Agency Inc – 15900 W 10 Mile Rd – Southfield, MI 48075 – (248) 557-3266
United Insurance Co Of America – 26400 Lahser Rd # 217 – Southfield, MI 48034 – (248) 355-1920

Captive Insurance Agents

Captive insurance agents can only place business with one company such as State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agents are trained well on the products they sell which helps them sell insurance even at higher premiums.

Listed below is a short list of captive insurance agencies in Southfield willing to provide comparison quotes.

Farmers Insurance Group – 30161 Southfield Rd – Southfield, MI 48076 – (248) 645-5805
Allstate Insurance – 25243 Telegraph Rd – Southfield, MI 48034 – (248) 350-1495
State Farm Insurance – 29610 Southfield Rd # 103 – Southfield, MI 48076 – (248) 559-0000

To view a full list of captive agencies in Southfield, visit this site.

Deciding on an insurance agent shouldn’t rely on just a cheap price. These questions are important to ask:

  • Are they full-time agents?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Who are their largest clients?
  • Do they feel the quoted coverages are adequate?
  • Does the agency have a good rating with the Better Business Bureau?
  • How many years of experience in personal lines insurance coverages do they have?

After getting positive responses to any questions you have and an acceptable price quote, it’s possible that you found an insurance agency that meets your needs to insure your vehicles.

Keep your options open

Car insurance agents are a valuable resource, but you can also buy Michigan car insurance from online companies direct. Certain auto insurance companies who sell through agents in Southfield also let you buy a policy online, and that can save time.

If you’re concerned about choosing your own coverages when buying car insurance direct, that is quite common when buying online the first time. Auto insurance companies that allow you to purchase coverage provide customer service that you can contact for information. They also make available help pages and frequently asked questions that you can use before buying.

best Michigan insurance agency

Is car insurance cheaper online? Whether or not you’ll save is impossible to say due to the fact that there are multiple individual factors that influence the price you pay. It’s often assumed that a consumer who buys direct saves money by not requiring a commission. For the majority of companies, however, the cost of constant advertising is expensive and this tends to eat up any savings.

Additional information is available on the website for the Michigan Office of Financial and Insurance Regulation. Click here for link. Consumers can report car insurance fraud, learn about insurance regulations, and learn about specific coverages.

Better coverage you can count on

Cheap car insurance is possible from both online companies in addition to many Southfield insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, do not skimp on coverage in order to save money. There have been many cases where an accident victim reduced full coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.