Five Minutes to the Cheapest Car Insurance Rates From the Best Insurance Agents in Warren

If you’re looking to buy car insurance, you have many choices and choosing the right Warren auto insurance agent takes more work than just randomly choosing from the yellow pages. There is a good chance that not only do you want a good professional insurance agent, but you also want to find 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 auto insurance agent will have the best service and rates. To help decide, consumers can get online quoting to get a list of insurance agents from which to choose.

Comparing rates from local agents

Agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing rates online is the fact that you can find lower rates and still have an agent to talk to. Supporting local agencies is important especially in Warren.

Upon completion of this form (opens in new window), your information is immediately sent to insurance agents in Warren who will give you bids for your business. There is no reason to leave your computer since price quotes are sent to the email address you provide. How cool is that?!

Warren insurance agents come in two flavors

When looking for a reputable insurance agent or broker, you need to know there are two different agency structures that you can select. Agencies in Warren are classified as either independent or captive. Both types can properly insure your vehicles, but it’s worth mentioning the difference between them because it can impact the type of agent you choose

Independent Agents (or Brokers)

These agents are not employed by any specific company but rather can write business with many different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, it’s a good idea to include at a minimum one independent agency to have the most options to choose from.

The following is a short list of independent insurance agencies in Warren who can help you get pricing information.

Robert Fazekas Agency – 6061 Adams Ave – Warren, MI 48092 – (586) 795-0613
American Benefits Agency Inc – 30009 Schoenherr Rd – Warren, MI 48088 – (586) 751-4620
Feldman Agency and Assoc – 29447 Hoover Rd – Warren, MI 48093 – (586) 558-7900
Prel’s Insurance Group – 3456 E 12 Mile Rd # 4 – Warren, MI 48092 – (586) 573-4800
L A Insurance – 11530 E 10 Mile Rd – Warren, MI 48089 – (586) 427-4444

Agency Captives

Captive insurance agents are contracted to one company such as State Farm or Allstate. They generally cannot provide prices from multiple companies so keep that in mind. Captive agents are trained well on their products and sales techniques which helps them compete with independent agents.

The following are captive insurance agents in Warren that can give you price quotes.

Allstate Insurance – 5788 E 12 Mile Rd – Warren, MI 48092 – (586) 573-7800
State Farm Insurance – 29230 Ryan Rd # 5 – Warren, MI 48092 – (586) 751-5590
Farmers Insurance Group – 29550 Ryan Rd – Warren, MI 48092 – (586) 751-6969

For a full directory of captive insurance agents in Warren, please click here.

Picking an insurance agency requires more thought than just a low price. Here are some questions to ask:

  • Are claims handled at the agent’s location?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Can they give you a list of client referrals?
  • How long has their agency been open in Warren?
  • What insurance companies do they work with?
  • Do they specialize in personal lines coverage?
  • If they are an independent agency, which companies do they recommend?
  • Do they receive special compensation for putting your coverage with one company over another?

Upon receiving satisfactory answers to all your questions and a low price estimate, you have narrowed it down to an insurance agent that can provide car insurance coverage.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that These are some specific questions might help in determining if you may require specific advice.

  • Can I still get insurance after a DUI?
  • Can I drive in Mexico and have coverage?
  • Is my nanny covered when driving my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does coverage extend to a rental car in a foreign country?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when pulling a rental trailer?
  • When should I drop full coverage on my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent.

What about online companies that cut out the middleman?

Insurance agents are a valuable resource, but you also have the option of buying Michigan car insurance from companies direct over the internet. Certain companies like State Farm and Allstate who employ agents also allow consumers to quote and buy online, so keep that in mind if you prefer to buy online.

If you’re uneasy about having to choose coverages yourself when shopping online, don’t be too concerned. Auto insurance companies that allow you to purchase coverage provide toll-free numbers to answer any questions you may have.

Does buying online save money? Many people think so, but it’s hard to say for sure due to the fact that there are many factors that determine the price you pay. Some people will tell you that going direct saves money because there is no agent involvement. But in reality, promoting brand recognition is pricey and those expenses can offset most of the savings by selling direct.

If you’re not set on any one company, the best way to find out if car insurance prices are lower online or from agents is making fair comparisons of each of their rates. It’s possible to get different rates from the same insurance company when they compare quotes from both. It’s difficult to tell where the best price is unless you actually compare identical quotes using both methods.

Compare but don’t skimp

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There are too many instances where drivers have reduced full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.

Warren MI car insurance quote

Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, policy non-renewal and policy cancellation. Whatever your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

Much more information about car insurance in Michigan can be read on the website for the Michigan Office of Financial and Insurance Regulation. Click here for link. Michigan drivers can find a variety of consumer forms, find out industry alerts, and read industry bulletins.

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