Kentwood Auto Insurance Agent Pricing Compared

To find a good Kentwood agent, it’s recommended you do the preliminary legwork online rather than looking in the yellowpages. It’s likely you’re wanting a professional agent, but you also want to find affordable coverage.

With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Kentwood, it can be hard to know which car insurance agent will provide you with the cheapest rates and the best coverage. To begin, it’s easy to use insurance quotes online to get a list of insurance agents from which to choose.

Online quotes with a local Kentwood insurance agent

Licensed agents can answer important questions and help file insurance claims. The biggest benefit of comparing rates online is the fact that you can find the best rates but also keep your business local. Buying from local businesses is especially important in Kentwood.

Once you complete this simple form, the coverage information gets sent to companies in Kentwood who will return price quotes to get your business. There is no reason to visit any agencies since price quotes are sent to your email. How’s that for easy!

What types of insurance agencies are in Kentwood?

When searching for a good Kentwood insurance agent, there are two types of insurance agents to choose from. Agencies in Kentwood are classified as either independent (non-captive) or captive. While both can write coverage properly, but it’s good to learn how they differ since it can impact the type of agent you choose

Independent Insurance Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, it’s a good idea to include price quotes from at least one independent agent to ensure the widest selection of prices.Many can place coverage with smaller companies which can be an advantage.

Listed below is a short list of independent insurance agents in Kentwood willing to provide price quotes.

  • Andy Steensma Agency Inc – 5300 Kalamazoo Ave SE – Kentwood, MI 49508 – (616) 455-6200
  • Dalessandro Agency Inc – 1500 44th St SE – Kentwood, MI 49508 – (616) 406-3200
  • Liberty Mutual Insurance – 2450 44th St SE # 308 – Kentwood, MI 49512 – (616) 455-1700
  • Access Insurance Kentwood – 3160 Breton Rd SE # A – Kentwood, MI 49512 – (616) 575-0900
Captive Insurance Agents

Captive agencies can only place business with one company and some examples include American Family, Liberty Mutual and AAA. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Captive agencies are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives partially due to the prominence of the brand and the convenience of having all coverages with one company.

Listed below is a list of captive insurance agencies in Kentwood willing to provide rate quotes.

  • Liberty Mutual Insurance – 2450 44th St SE # 308 – Kentwood, MI 49512 – (616) 455-1700
  • Allstate Insurance – 1759 44th St SE – Kentwood, MI 49508 – (616) 455-3100
  • Farm Bureau Insurance – 1486 44th St SE # 200 – Kentwood, MI 49508 – (616) 532-2880
  • State Farm Insurance – 5366 Eastern Ave SE – Kentwood, MI 49508 – (616) 532-6071
  • Farmers Insurance Group – 4160 44th St SE – Kentwood, MI 49512 – (616) 554-0303

For a full directory of Kentwood captive agencies, please click here.

Choosing an insurance agency needs to be determined by more than just the bottom line cost. Agents should be asked these questions:

  • Will their companies depreciate repairs to your car based on the mileage?
  • If they are an independent agency, which companies do they recommend?
  • How much can you save by raising your physical damage deductibles?
  • Does the agency provide any after hours assistance?
  • Do they make recommendations based only on price?

Upon getting acceptable answers to your questions and an acceptable price quote, you have narrowed it down to an insurance agency that meets your needs to service your policy.

Also keep in mind buying direct

Auto insurance agents are indespensible for some people, but you can also find affordable Michigan auto insurance from online companies direct. A few companies like Allstate and State Farm who have local Kentwood agents also permit you to buy direct online, so that should be considered.

If you’re apprehensive about choosing your own coverages when buying car insurance direct, that shouldn’t be an issue. Online car insurance companies provide access to licensed agents you can use to get advice on coverages.

Does car insurance cost less online? That question is hard to answer since there may be dozens of rate factors that can increase policy rates. It’s a logical assumption that buying directly from the company saves money because there is no commission. In many cases, marketing their products costs a lot of money so the rates may be similar to buying from an agent.

Additional information is available on the Michigan Office of Financial and Insurance Regulation website through this link. Consumers can read state legal mandates and laws, find disaster information, read consumer alerts, and get help finding coverage.

The following articles may also be useful.

Kentwood Michigan car insurance agent

Better coverage you can count on

Cheaper auto insurance is possible both online and with local Kentwood insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not offer online quoting and these regional insurance providers work with independent agents.

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced physical damage coverage and found out when filing a claim that it was a big mistake. Your focus should be to buy a smart amount of coverage at the best price while still protecting your assets.