How to Find the Best Insurance Agent in Warren

Comparing car insurance rates in Warren can be a lot of work since you have many choices and picking a good Michigan insurance agent is more difficult than just picking up the phone. The chances are good you’re not only searching for a competent insurance agent, but you also need the best rates possible.

With companies like American Family, Allstate, State Farm and independent agents all competing for business in Warren, consumers have a hard time knowing which one will have the lowest rates and best service. To begin, it’s easy to use online quoting to assemble a group of insurance agents and price estimates.

Local Warren car insurance agents

Agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing insurance prices online is you can get better rates and still have an agent to talk to. Buying from small agencies is especially important in Warren.

To help locate an agent, after submitting this simple form, your insurance data is submitted to insurance agents in Warren who will battle for your coverage. You won’t need to drive around as quotes are delivered to the email address you provide. How’s that for easy!

Compare rates from both independent and captive auto insurance agents

When searching for a good insurance agency, you need to know there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Warren are either independent or captive. Both types can insure your vehicles, but it’s important to know how they are different since it may influence your selection of an agent.

Independent Agents (or Brokers)

Independent agencies are not required to write business for one company but instead can place your coverage with any number of different companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency.

When comparison shopping, we recommend you include price quotes from several independent insurance agents to have the most options to choose from. They often place coverage with different regional companies which can be an advantage.

The following are Warren independent agents who can help you get rate quotes.

  • American Benefits Agency Inc – 30009 Schoenherr Rd – Warren, MI 48088 – (586) 751-4620
  • Spindler Insurance Inc – 30009 Schoenherr Rd – Warren, MI 48088 – (586) 751-0100
  • Robert Fazekas Agency – 6061 Adams Ave – Warren, MI 48092 – (586) 795-0613
  • Feldman Agency and Assoc – 29447 Hoover Rd – Warren, MI 48093 – (586) 558-7900
  • Ridgemont Insurance Inc – 32888 Ryan Rd – Warren, MI 48092 – (586) 268-2960
Captive Agents

Captive agencies write business for a single company and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so always compare other rates. These agents are well schooled on the products they sell and that can be a competitive advantage. Consumers frequently choose to use a captive agent partially due to loyalty to the company and the convenience of having all coverages with one company.

Shown below is a short list of captive agencies in Warren who can help you get comparison quotes.

  • Allstate Insurance – 5788 E 12 Mile Rd – Warren, MI 48092 – (586) 573-7800
  • Farmers Insurance Group – 29550 Ryan Rd – Warren, MI 48092 – (586) 751-6969
  • State Farm Insurance – 3005 E 11 Mile Rd # A – Warren, MI 48092 – (586) 574-3004

For a full directory of captive insurance agencies in Warren, please go to this site.

Deciding on a car insurance agent requires more thought than just the bottom line cost. These are valid questions to ask:

  • Are you getting all the discounts the company offers?
  • Did they already check your driving record and credit reports?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How are claims handled?
  • Does the agency provide any after hours assistance?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Upon getting positive feedback to all your questions and an acceptable price quote, chances are good that you have found an auto insurance agent that is a good match to properly insure your vehicles.

Are online companies an option?

Car insurance agents are a valuable resource, but you can also buy Michigan car insurance direct online. Some car insurance companies, such as State Farm, Allstate and Farmers, who have local agents in Warren also permit you to get a quote and buy online, and consumers should do that as an alternative to contacting agents.

If you’re concerned about not getting proper coverage, that should not be a issue. Insurance companies provide access to licensed agents to walk you through the process.

For price-conscious consumers, the only way of knowing whether prices are lower online or from agents is comparing rate quotes from both. It’s even possible to receive different pricing from exactly the same company depending on where you get the price quote from.

Is online auto insurance cheaper? That is a tough question to answer because there are many components that can increase policy rates. It’s logical to say that buying online prevents the agent from taking a cut. But the reality is advertising and marketing take a lot of money so rates may not be all that different from traditional agents.

Smart consumers save more

Consumers leave their current company for many reasons like delays in responding to claim requests, poor customer service, not issuing a premium refund or even lack of trust in their agent. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best price while still protecting your assets.

Warren Michigan insurance agent

Additional information can be found on the Michigan Office of Financial and Insurance Regulation website located here. Michigan consumers can discover disciplinary actions, file complaints about a company, and download brochures.