How to Find a Good Insurance Agency in Rochester Hills

Finding good car insurance in Rochester Hills can be challenging since you have many choices and selecting the best Rochester Hills car insurance agent for your needs is not as easy as just using the same car insurance agent as your neighbor. You need an excellent agent, and also want to find decent rates too.

Many insurance agents compete for your insurance dollar, and it can be difficult to compare rates to get the lowest rate

Comparing rates from local agents

Licensed agents are trained to spot inefficiencies and help in the event of a claim. The best thing about comparing rates online is the fact that you can find better rates and still choose a local agent.

Upon completion of this short form, your coverage information is submitted to local insurance agents who will compete for your insurance coverage. You never need to leave your computer as quotes are delivered directly to your email. How cool is that?! You can find better rates and an insurance agent to talk to.

Deciding on an auto insurance agent needs to be determined by more than just a low price. Some important questions to ask are:

  • If they are an independent agency, which companies do they recommend?
  • What insurance companies do they work with?
  • How long have they worked with personal auto insurance coverage?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they have any clout with companies to ensure a fair claim settlement?

Types of car insurance agents in Rochester Hills

When looking for a reputable insurance agent or broker, you must know there are a couple different types of agents from which to choose. Insurance agencies in Rochester Hills are categorized either captive or independent.

Captive Agents

Captive insurance agents write business for a single company and some examples include Allstate, State Farm and Farmers Insurance. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. They are well schooled on their products and sales techniques which can be an advantage.

The following are Rochester Hills captive agents that can give you comparison quotes.

Farmers Insurance Group – 410 Elmhill Rd – Rochester Hills, MI 48306 – (248) 651-8060
State Farm Insurance – 2925 Walton Blvd – Rochester Hills, MI 48309 – (248) 375-0510
Farm Bureau Insurance – 1756 E Auburn Rd – Rochester Hills, MI 48307 – (248) 853-7099
Allstate Insurance – 441 S Livernois Rd # 220 – Rochester Hills, MI 48307 – (248) 651-7220

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies.

When searching for an agent, it’s a good idea to include at a minimum one independent agency to have the most options to choose from.

Shown below are independent agents in Rochester Hills that are able to give price quotes.

Novotney Agency – 2522 S Rochester Rd – Rochester Hills, MI 48307 – (248) 852-8000
Jeff Garlick Insurance – 2490 Walton Blvd – Rochester Hills, MI 48309 – (248) 652-6400
H Meier Agency – 745 Barclay Cir – Rochester Hills, MI 48307 – (248) 299-9370
Nationwide Insurance – 3140 Walton Blvd – Rochester Hills, MI 48309 – (248) 375-2063

For a full directory of insurance agents in Rochester Hills, view this link.

Upon receiving answers to your satisfaction in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that is a good match to service your policy.

Isn’t it cheaper to buy direct online?

Licensed agents are important to many people, but Michigan consumers also have the option to buy direct from companies that only sell online. Even companies, such as State Farm, Allstate and Farmers, who employ agents also let you quote and buy online, and that is helpful if you don’t want to take the time to contact agents.

If you’re apprehensive about not getting proper coverage, that shouldn’t be an issue. Online companies that allow you to purchase coverage give you access to trained agents for getting the best coverage. You may also access live chat and online tools you can access prior to buying.

Rochester Hills MI independent agents

Does coverage cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the large number of individual components that influence how your policy is priced. Common sense would say that going direct cuts out the middleman. In many cases, advertising budgets are huge and that can cost more than having to pay agents.

In the end, you save

Budget-conscious car insurance is attainable from both online companies as well as from independent agents in Rochester Hills, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. In many instances, consumers will sacrifice collision coverage only to regret that it was a big error on their part. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

Additional detailed information can be read at the Michigan Office of Financial and Insurance Regulation website. Michigan consumers can find out which companies have the most complaints, read industry bulletins, and learn about insurance regulations.