If you’re trying to find a good insurance agent in Flint, Michigan, it’s recommended you do an initial search online rather than looking in the yellowpages. Chances are you’re not only searching for a professional agent, but you also need the best rates possible.
With companies like State Farm, Allstate and many independent agents all competing for business in Flint, it can be hard to know which one will have the best rates, service and coverage. To help decide, it’s easy to use online quoting to get a list of insurance agents and price estimates.
Shop online but buy locally
Educated insurance agents can help determine the best coverages and give you peace of mind. One of the best bonuses of comparing insurance prices online is you can get better rates but still work with a licensed agent. Buying from local insurance agencies is especially important in Flint.
Upon completion of this short form, the quote information is emailed to local insurance agents in Flint who will compete for your insurance coverage. There is no need to even leave your home since price quotes are sent to the email address you provide. How’s that for easy!
Pick the best insurance agency in Flint for you
When searching for an insurance agent, there are two types of agencies to choose from. Flint agents are classified as either captive or independent. Both properly insure your vehicles, but it’s worth learning the difference between them because it can impact your selection of an agent.
Independent Insurance Agents
Independent agents do not work for one specific company but rather can write business with lots of companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.
When comparing rates, you should always include at least one independent agent for maximum quote selection.Many can place coverage with lesser-known insurance companies which may provide better rates.
Listed below are independent insurance agents in Flint who can help you get comparison quotes.
- Edward J Dymowski Insurance – 3101 N Linden Rd – Flint, MI 48504 – (810) 732-8111
- Jameson Westenbarger Agency – 2442 E Maple Ave – Flint, MI 48507 – (810) 742-8333
- Potter and Roose Insurance – 503 S Saginaw St # 906 – Flint, MI 48502 – (810) 767-8590
Captive agencies can only write with one company such as State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so keep that in mind. Captive agents are usually quite knowledgeable on their company’s products which can be an advantage. Consumers sometimes buy from captive agents partially due to loyalty to the company and solid financial strength.
Listed below is a list of captive insurance agents in Flint willing to provide price quote information.
- Farmers Insurance Group – 4419 Richfield Rd – Flint, MI 48506 – (810) 736-0840
- Farm Bureau Insurance – 3023 S Dye Rd – Flint, MI 48507 – (810) 732-9770
- Allstate Insurance – 4526 Beecher Rd – Flint, MI 48532 – (810) 733-6666
- State Farm Insurance – 3692 E Court St – Flint, MI 48506 – (810) 743-2155
For a full directory of Flint captive agents, please go to this site.
Deciding on a car insurance agent needs to be determined by more than just the price. Here are some questions to ask:
- What insurance companies do they work with?
- Does the agency support the community they serve?
- If they are an independent agency, which companies do they recommend?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they make recommendations based only on price?
Upon getting good answers as well as a affordable price, you have narrowed it down to an insurance agent that will adequately provide car insurance.
Is buying direct online an option?
Local insurance agents are important, but you can also buy Michigan car insurance direct over the internet. Some car insurance companies like State Farm and Allstate who have local Flint agents also permit you to buy online, so that should be considered.
If you’re uneasy about choosing your own coverages when shopping online, don’t sweat it. Online car insurance companies provide options for getting advice on proper coverages. They also have extensive coverage information and 24/7 assistance so buying online is not difficult.
Can you find lower rates online? It’s hard to say exactly because of the number of factors that impact your final bill. It’s a logical assumption that a customer who purchases direcly from an online company saves money because there is no agent involvement. But in most cases, there are very high advertising costs so the lack of a commission may be a wash.
Much more information about car insurance in Michigan can be found on the Michigan Office of Financial and Insurance Regulation website through this link. Michigan consumers can view a list of available companies, read enforcement actions against agents and companies, read industry bulletins, and read state legal mandates and laws.
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Smart shoppers get results
Lower-priced car insurance is possible on the web and with local Flint insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
When trying to cut insurance costs, do not buy less coverage just to save a little money. Too many times, an accident victim reduced liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.