If you’re looking to buy car insurance, finding the best Michigan auto insurance agent is harder than just randomly choosing from the yellow pages. Consumers require a professional agent, but also cheaper car insurance prices.
Because there are so many car insurance companies to choose from, it’s difficult to choose the most affordable insurance company.
Best way to find Battle Creek agents
Licensed agents can help determine the best coverages and give you someone to call. One of the best bonuses of comparing rates online is you may find the best rates but still work with a licensed agent.
For easy comparison, once you complete this quick form, your coverage information is emailed to participating agents in Battle Creek who will give you bids for your business. There is no reason to leave your house as quotes are delivered straight to your inbox. It doesn’t get any easier! You can find better rates AND a local agent.
Deciding on an insurance agent requires more thought than just the bottom line cost. These questions are important to ask:
- Do they have any clout with companies to ensure a fair claim settlement?
- How often do they review policy coverages?
- Does the agency have a good rating with the Better Business Bureau?
- Is working in the agency their full-time job?
- Do they make recommendations based only on price?
- Do the coverages you’re quoting properly cover your vehicle?
Is a captive or independent car insurance agent right for you?
When finding local Battle Creek agents, there are a couple of types of agencies that differ in how they can insure your vehicles. Agents are either independent (non-captive) or captive.
Agency Captives
This type of agents work for only one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to shop your coverage around so they have no alternatives for high prices. Captives are trained well in insurance sales which can be an advantage. Some consumers prefer to choose to use a captive agent mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
Shown below are captive insurance agencies in Battle Creek who can help you get price quote information.
- Farmers Insurance Group – 435 Pine Knoll Ct – Battle Creek, MI 49014 – (269) 565-1050
- State Farm Insurance – 19915 Capital Ave NE # 204 – Battle Creek, MI 49017 – (269) 962-5117
- Farm Bureau Insurance – 77 S 20th St – Battle Creek, MI 49015 – (269) 781-7901
- Allstate Insurance – 1700 Michigan Ave W – Battle Creek, MI 49017 – (269) 963-2055
Independent Insurance Agents
Independent agencies are not employed by any specific company but rather can write business with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rates, it’s recommended you include price quotes from at least one independent agent to get the best comparison. Many write coverage with smaller companies which can save you money.
Below is a list of independent insurance agents in Battle Creek willing to provide price quote information.
- Hinkel Insurance Svc – 22237 Bedford Rd N – Battle Creek, MI 49017 – (269) 962-7079
- Felton Lewis Agency – 71 20th St S – Battle Creek, MI 49015 – (269) 964-9796
- ALF Insurance Of Battle Creek – 666 Capital Ave SW – Battle Creek, MI 49015 – (269) 964-7111
- Carla C Reynolds Agency – 285 North Ave – Battle Creek, MI 49017 – (269) 962-0822
- Jeff Cope Agency – 812 Capital Ave SW – Battle Creek, MI 49015 – (269) 968-9800
To view a complete directory of insurance agents in Battle Creek, visit this link.
Once you have received positive feedback to your questions and a good coverage price, you’ve probably found an insurance agency that meets your needs to properly insure your vehicles.
Online companies should also be compared
Licensed agents are important to many people, but you can also find affordable Michigan auto insurance directly from online companies. Some car insurance companies, such as State Farm, Allstate and Farmers, who employ agents also allow you to buy direct online, and consumers should do that to possibly find a better rate.
If you’re concerned about not getting advice from an agent when buying direct, that is quite common when buying online the first time. Auto insurance companies give you access to trained agents for getting questions answered.
Can buying online lower your premiums? It’s hard to say exactly because of the number of factors that determine the price you pay. Some people think that buying direct saves money because there is no commission. But that assumption is generally incorrect because marketing expenses are significant so there may not be significant savings.
Quote often and quote early
When shopping online for car insurance, never buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits to discover at claim time that it was a big error on their part. The aim is to buy enough coverage at the best price, not the least amount of coverage.
Low-cost car insurance can be bought online as well as from independent agents in Battle Creek, so compare prices from both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
Even more information can be read at the Michigan Office of Financial and Insurance Regulation website. Consumers can view a list of available companies, find out which companies have the most complaints, and file complaints about a company.
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