When searching for a licensed insurance agent in Saginaw, we recommend you start your search on the web to save yourself time. Chances are good that not only do you want a competent insurance agent, but you also need the lowest possible price.
With companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Saginaw, consumers have a hard time knowing which one will provide the best rates, service and coverage. Thankfully, consumers can get online price quotes to assemble a group of insurance agents and price estimates.
How to compare Saginaw car insurance rates
Good agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of getting online price quotes is you can get lower rates but also keep your business local. And supporting local businesses is important particularly in Saginaw.
To find an agent, once you fill out this simple form, the quote information is transmitted to participating agents in Saginaw who will give you bids for your business. You never need to leave your computer as quotes are delivered straight to your inbox. Now that’s easy!
Captive and independent Saginaw insurance agencies
When looking for a reliable agent, you need to know there are two different agency structures that you can select. Insurance agencies in Saginaw are classified as either captive or independent (non-captive). Both types can do a good job, but it’s good to learn how they are different because it can influence your selection of an agent.
Independent Agencies or Brokers
These agents do not work for one specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies.
When shopping rates, we recommend you get quotes from at least one independent agent to have the most options to choose from. They also have the ability to place coverage with lesser-known insurance companies which can be an advantage.
The following are Saginaw independent insurance agents who can help you get comparison quotes.
- Jim Adrzejewski Agency – – Saginaw, MI 48603 – (989) 792-2800
- Ray Garibay Insurance – 5645 State St – Saginaw, MI 48603 – (989) 799-8844
- Heritage Agency Inc – 6660 Gratiot Rd – Saginaw, MI 48609 – (989) 781-3010
- Zeidner-Cowan Agency – 804 S Hamilton St – Saginaw, MI 48602 – (989) 790-0505
- Thomas H Trombley Insurance – 5632 Dixie Hwy – Saginaw, MI 48601 – (989) 777-7411
Captive insurance agents have only one company to place business with and some examples include Allstate, State Farm and Farmers Insurance. These agents are unable to place coverage with different providers so they have no alternatives for high prices. They are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents partially due to the prominence of the brand and solid financial strength.
Listed below are captive insurance agencies in Saginaw willing to provide price quote information.
- Farm Bureau Insurance – 5110 State St – Saginaw, MI 48603 – (989) 792-9687
- Allstate Insurance – 3065 Davenport Ave – Saginaw, MI 48602 – (989) 791-3050
- State Farm Insurance – 1420 Gratiot Ave – Saginaw, MI 48602 – (989) 793-1553
- Liberty Mutual Insurance – 4800 Fashion Square Mall # 460 – Saginaw, MI 48604 – (989) 249-0321
For a full directory of captive agents in Saginaw, please click here.
Selecting a car insurance agent needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:
- Does the agency provide any after hours assistance?
- Which insurance companies are they affiliated with?
- How long has their agency been open in Saginaw?
- How many years of experience in personal lines insurance coverages do they have?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the company allow you to choose your own collision repair facility?
Once you have good answers to these questions in addition to an acceptable price estimate, most likely you have located an insurance agency that meets your needs to insure your vehicles.
Can you find lower rates by buying online?
Licensed agents are important, but Michigan car insurance can also be bought direct over the internet. Certain companies, such as Farmers Insurance and State Farm, who employ agents also allow consumers to quote and buy online, so that should be considered if finding the best price is important.
If you’re anxious about not having an insurance agent’s advice, this is normal but is quickly overcome. Online car insurance companies that allow you to purchase coverage all have toll-free customer service to help you decide which coverages are appropriate. Most companies also provide extensive coverage information and 24/7 assistance that you can use before buying.
If the best price is important to you, the most effective way to determine whether online companies or local agents have lower rates is to get price quotes for both. It’s not unheard of to actually get different prices from the SAME company when they use both methods. But you can’t find out which way will be cheaper until after comparing identical coverage quotes for both.
Does buying online save money? The answer to that question is complicated because there are a lot of things that determine the price you pay. Some people think that buying direct cuts out the middleman. But in reality, there are very high advertising costs and this drives up their premium costs.
Shop smart and save
Insureds leave their current company for a variety of reasons including delays in responding to claim requests, questionable increases in premium, delays in paying claims and even policy non-renewal. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.
When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
More information is located on the Michigan Office of Financial and Insurance Regulation website through this link. Michigan consumers can read industry bulletins, find disaster information, read consumer alerts, and learn about specific coverages.
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