Wyoming Insurance Agencies – How to Choose Wisely

Comparing auto insurance rates in Wyoming can be a lot of work since there are a lot of options and picking a good Michigan car insurance agent is harder than just driving to the closest agent’s office. Consumers require a good agent, and also want to find the best possible price.

Many auto insurance agents vie to insure your vehicles, so it’s not easy to compare every insurance agency and get the definite best rates possible.

Why do I need an agent?

Educated insurance agents can point out coverage gaps and give you peace of mind. The biggest benefit of getting online price quotes is you can get the best rates and still have an agent to talk to.

Once you complete this quick form, your insurance data is emailed to local insurance agents who will battle to get your business. There is no reason to leave your house since price quotes are sent to your email. Now that’s easy! It’s the lowest rates AND a local agent.

Choosing a car insurance agent requires more thought than just a cheap price. Any agent should be forthright in answering these questions:

  • Are they properly licensed to sell insurance in Michigan?
  • Do they carry Errors and Omissions coverage?
  • Do they assist clients in filing claims?
  • Are claims handled at the agent’s location?
  • Did they already check your driving record and credit reports?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are they able to influence company decisions when a claim is filed?

Not all auto insurance agents are the same

When researching local Wyoming agents, there are two types of agencies that differ in how they can insure your vehicles. Agencies in Wyoming are categorized either independent or captive.

Captive Insurance Agents

These agents are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. They usually cannot shop your coverage around so they have no alternatives for high prices. Captive agents are trained well on their products and sales techniques and that can be a competitive advantage.

The following is a list of captive agents in Wyoming who can help you get rate quotes.

Farmers Insurance Group – 4251 Clyde Park Ave SW – Wyoming, MI 49509 – (616) 531-9070
State Farm Insurance – 1839 R W Berends Dr SW – Wyoming, MI 49519 – (616) 452-9400
Allstate Insurance – 1215 Chicago Dr SW – Wyoming, MI 49509 – (616) 452-4002

Independent Insurance Agents

Independent insurance agents are not employed by any specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies.

When searching for an agent, it’s recommended you get quotes from several independent insurance agents for the best price selection.

Below is a short list of independent agents in Wyoming that are able to give price quotes.

Reno Agency – 4727 S Division Ave – Wyoming, MI 49548 – (616) 531-2000
American Guardian Agency – 508 28th St SW # Aaa – Wyoming, MI 49509 – (616) 538-9915
Stedman Agency – 508 28th St SW – Wyoming, MI 49509 – (616) 538-9911
Leon Orent Insurance Inc – 4211 Clyde Park Ave SW – Wyoming, MI 49509 – (616) 531-6530
Insurance Data Svc – 1161 58th St SW – Wyoming, MI 49509 – (616) 532-8000

To view a full list of insurance agents in Wyoming, view this link.

Once you have received acceptable answers to all your questions in addition to an acceptable price estimate, you may have just found a car insurance agent that is a good match to provide auto insurance coverage.

Can you find lower rates by buying online?

Professional insurance agents serve a purpose, but you also have the option of buying Michigan car insurance direct from companies that only sell online. Some car insurance companies who sell through agents in Wyoming also allow consumers to buy online. This is something to consider if the lowest rate is your goal.

If you’re worried about not having someone to ask questions, that is normal but is not a big issue. Companies have toll-free phone numbers and other options to help you decide which coverages are appropriate. Most companies also provide live help and 24/7 access so you can feel comfortable buying online.

Is auto insurance cheaper online? The answer is complex since there may be dozens of rate factors which can raise or lower premium rates. It’s a logical assumption that a customer who purchases direcly from an online company prevents the agent from taking a cut. But in reality, getting their brand in front of customers is expensive and this tends to eat up any savings.

compare Michigan insurance agents

Additional detailed information is available at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to file complaints about a company, view agent and company licensing information, and read industry bulletins.

The articles below may also help you learn more about auto insurance in Wyoming

Smart consumers save more

Discount auto insurance is attainable from both online companies in addition to many Wyoming insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for auto insurance, make sure you don’t reduce needed coverages to save money. There are too many instances where an insured dropped liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.