If you’re looking to buy car insurance, there are a lot of options and picking a good Michigan auto insurance agent is harder than just using the same insurance agent as your neighbor. Consumers require a good agent, but also need affordable rates.
Multiple insurance agencies compete to insure your vehicles, and because of this it can be hard to compare car insurance agents to find the best rates possible.
Car Insurance from Pontiac insurance agents
Agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can obtain lower rates and still choose a local agent.
To find an agent, once you fill out this simple form, the coverage information is immediately sent to local insurance agents in Pontiac who will compete for your insurance coverage. You don’t have to drive around because quoted prices will be sent to your email. It doesn’t get any easier! It’s the lowest rates AND an agent nearby.
Choosing a car insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Which members of your family are coverage by the policy?
- Do they carry Errors and Omissions coverage?
- Do they assist clients in filing claims?
- Are claim adjusters local or do you have to take your car somewhere else?
Pontiac auto insurance agents come in two flavors
When researching an insurance agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance agencies in Pontiac are categorized either captive or independent.
Captive Insurance Agents
These agents can only place business with one company like Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to give you multiple price quotes so keep that in mind. These agents receive extensive training on their company’s products and that can be a competitive advantage. Consumers often buy insurance from these agents mainly due to the prominence of the brand and solid financial strength.
Listed below is a list of captive agents in Pontiac willing to provide price quotes.
- Farmers Insurance Group – 631 Cesar E Chavez Ave – Pontiac, MI 48342 – (248) 334-1680
- State Farm Insurance – 638 Martin Luther King Blvd N – Pontiac, MI 48342 – (248) 334-6921
- Allstate Insurance – 625 W Huron St – Pontiac, MI 48341 – (248) 333-3434
Independent Agencies or Brokers
Independent insurance agents do not work for one specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparison shopping, it’s a good idea to contact several independent insurance agents to have the most options to choose from.Most can insure with different regional companies who may have lower rates.
Below is a list of independent agents in Pontiac that can give you rate quotes.
- Griffin Insurance – 754 W Huron St – Pontiac, MI 48341 – (248) 745-5758
- Arlans Auto Insurance – 31 Oakland Ave # C – Pontiac, MI 48342 – (248) 334-0264
- Insurance Store Agency LLC – 784 Cesar E Chavez Ave – Pontiac, MI 48340 – (248) 451-1100
- Flowers Agency – 75 N Saginaw St – Pontiac, MI 48342 – (248) 857-5800
- Parks Agency – 100 N Saginaw St # A – Pontiac, MI 48342 – (248) 454-6500
To view a full list of Pontiac insurance agents, please view this page.
After getting satisfactory answers to your questions and an acceptable price quote, it’s possible that you found a car insurance agent that will insure your vehicles.
Online companies can help you save
Licensed agents are important to many people, but you also have the option of buying direct from companies that only sell online. Certain auto insurance companies like Allstate and State Farm that sell primarily through agents also allow you to buy a policy online, so that should be considered if you prefer to buy online.
If you’re worried about not having an agent to talk to, this really isn’t an issue. Online insurance companies all have client service departments for answering any questions you have.
The best approach to find out if local insurance agents or online providers are cheaper is to get free quotes from both and compare them. It’s not unheard of to actually get different prices using an online quote and an agent quote from the exact same provider. It’s difficult to tell whether online or agents have the lower rates until after you compare the same coverages for both.
Can buying online lower your premiums? Many people swear by it, but it’s difficult to answer because of the fact that insurance companies use many factors which can adversely affect your policy premium. It would make sense to think that a consumer who buys direct saves money because there is no commission. But truthfully, there are very high advertising costs and that impacts the rates consumers pay.
One last thing
Drivers leave their current company for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, policy non-renewal or even unfair underwriting practices. It doesn’t matter what your reason, switching car insurance companies can be pretty painless.
As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced collision coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to get the best coverage possible at a price you can afford.
More Michigan car insurance information
More tips and info about car insurance is located at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can file complaints about a company, find out which companies have the most complaints, discover disciplinary actions, and learn about specific coverages.
The following information may also be useful.
