Comparing car insurance rates in Eastpointe can be a lot of work since picking a good Michigan auto insurance agent is more difficult than just making a phone call. There is a good chance you require not only a professional licensed agent, but you also want to find affordable coverage.
With companies like State Farm, Allstate, Farmers and independent agents having offices in Eastpointe, consumers have a hard time knowing which one will have the lowest rates and best service. To begin, consumers can get online quoting in order to build a list of agencies and price estimates.
Shop online but buy locally
Licensed agents can point out coverage gaps and give you someone to call. The best thing about comparing rates online is you may find lower rates but still work with a licensed agent. And supporting local businesses is important especially in Eastpointe.
To make it easy to find an agent, after completing this simple form, the coverage information is emailed to participating agents in Eastpointe who will return price quotes to get your business. There is no need to leave your computer because quoted prices will be sent to your email. Now that’s easy!
The type of auto insurance agent you choose is important
When searching for a reliable agent, there are a couple of types of agencies that you can select. Insurance agencies in Eastpointe can either be independent or captive. Both types can properly insure your vehicles, but it’s worth mentioning the differences since it may influence the type of agent you choose
Independent Agents (or Brokers)
These agents are not locked into one company but instead can place your coverage with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and that require little work on your part.
When comparison shopping, it’s recommended you contact at a minimum one independent agency for maximum quote selection.
Below are Eastpointe independent agencies who can help you get price quote information.
Talitha Perry Agency – 22027 Kelly Rd – Eastpointe, MI 48021 – (586) 774-0400
Nationwide Insurance – 15820 E 9 Mile Rd – Eastpointe, MI 48021 – (586) 771-1503
Leidecker Agency Inc – 18400 E 9 Mile Rd – Eastpointe, MI 48021 – (586) 777-9334
Captive Insurance Agents
Captive insurance agents can only place business with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. They usually cannot compare other company’s rates so it’s a take it or leave it situation. Captive agents are very knowledgeable on their company’s products which can be an advantage.
The following is a list of captive insurance agencies in Eastpointe that can give you price quote information.
Farmers Insurance Group – 22109 Gratiot Ave – Eastpointe, MI 48021 – (586) 443-5408
Allstate Insurance – 18800 E 9 Mile Rd – Eastpointe, MI 48021 – (586) 778-1144
State Farm Insurance – 18530 E 9 Mile Rd – Eastpointe, MI 48021 – (586) 777-8855
To view a complete directory of captive insurance agencies in Eastpointe, click here to link.
Picking a car insurance agent requires more thought than just a cheap price. Ask your prospective agent these questions:
- Do they review policy coverages at every renewal?
- How are they compensated?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- If they are an independent agency, which companies do they recommend?
- Do they assist clients in filing claims?
Once you have satisfactory answers to these questions and a low price estimate, most likely you have located an insurance agency that will properly service your car insurance policy.
Online companies give you options
Professional insurance agents are important to many people, but Michigan car insurance can also be bought direct from companies that only sell online. Certain auto insurance companies like State Farm and Allstate who have local agents in Eastpointe also give you the ability to buy a policy online, so that should be considered if you don’t want to take the time to contact agents.
If you’re anxious about choosing your own coverages when buying car insurance direct, that is normal but is not a big issue. Companies give you access to trained agents that you can contact for information. Many online companies also provide online help and live chat to help you answer questions.
Does it save money buying online? That question is hard to answer because there are many components that impact your final bill. Common logic is that shopping direct saves by not paying a commission. But truthfully, promoting brand recognition is pricey so the rates may be similar to buying from an agent.
If the best price is important to you, the most effective way to determine whether prices are lower online or from agents is to make apples-to-apples comparisons of both. Lots of times people will get different prices from exactly the same company from their agents and their website. It’s not possible to know which has the best rates unless you compare quotes for identical coverages from both ways.
Cheaper insurance is a realistic goal
Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, delays in paying claims, delays in responding to claim requests and even policy non-renewal. Whatever your reason, finding a great new company can be less work than you think.
As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where someone dropped physical damage coverage and discovered at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at the best price while still protecting your assets.
More information can be read on the website for the Michigan Office of Financial and Insurance Regulation found here. Consumers can find out industry alerts, find a variety of consumer forms, discover disciplinary actions, and read state legal mandates and laws.