It takes a few minutes, but the best way to find cheaper auto insurance rates is to compare prices once a year from providers who sell insurance in Detroit.
Step 1: Try to learn about what is in your policy and the measures you can take to keep rates in check. Many factors that cause high rates like speeding and a negative credit rating can be amended by being financially responsible and driving safely. Continue reading for additional ideas to keep prices down and earn a bigger discount.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while independent agencies can provide prices from many different companies.
Step 3: Compare the new quotes to your existing coverage and determine if cheaper Equus coverage is available. If you find a lower rate and make a switch, make sure there is no lapse in coverage.
Step 4: Notify your company or agent to cancel your existing policy. Submit the signed application along with the required initial payment to your new agent or company. Once coverage is bound, put the new proof of insurance paperwork in an easily accessible location in your vehicle.
One important bit of advice is that you’ll want to make sure you compare the same coverage limits and deductibles on each price quote and to quote with as many companies as you can. Doing this helps ensure an apples-to-apples comparison and the best price selection.
Astonishing but true, most insurance policyholders have bought insurance from the same company for at least four years, and just short of a majority have never quoted insurance rates at all. Consumers in Detroit could save an average of as much as 65% each year by just comparing quotes, but they just assume it’s a time-consuming process to compare rates.
If you have a policy now or need new coverage, take advantage of these tips to find the best rates while maximizing coverage. Quoting and buying more affordable car insurance policy in Detroit is not as hard as you may think. Shoppers only need to know how to shop for car insurance online from multiple companies.
The providers in the list below have been selected to offer free quotes in Michigan. To locate cheap car insurance in MI, we suggest you click on several of them in order to find the lowest rates.
Local agents and auto insurance
Many people prefer to talk to a local agent and that is OK! Good insurance agents can point out coverage gaps and help you file claims. An additional benefit of comparing rates online is you can get lower rates but also keep your business local. Buying from neighborhood agents is important particularly in Detroit.
For easy comparison, once you complete this short form, the coverage information is instantly submitted to local insurance agents who will return price quotes for your insurance coverage. You don’t have to drive around since price quotes are sent instantly to you. If for some reason you want to quote rates for a specific company, you would need to find their quoting web page and fill out their quote form.
If you want to use a reputable agency, you must know there are a couple types of insurance agents and how they can service your needs differently. Auto insurance agents in Detroit can be classified as either independent agents or exclusive agents. Either one can sell affordable auto insurance policies, but it’s worth learning how they differ because it may have an impact on which type of agent you select.
Independent Insurance Agents
Agents that choose to be independent often have affiliation with several companies and that is an advantage because they can write policies through lots of different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When comparing auto insurance rates, it’s a good idea to include price quotes from a few independent agents to have the best price comparison. They also have the ability to place coverage with companies that do not advertise much which could offer lower prices.
Below are Detroit independent agents that may be able to provide competitive price quotes.
- Detroit Insurance and Services
7752 Vernor Hwy – Detroit, MI 48209 – (313) 843-2730 – View Map
- Advasure Insurance
13600 W 8 Mile Rd C – Detroit, MI 48205 – (313) 521-0300 – View Map
- C B Irwin Insurance
2357 W Grand Blvd – Detroit, MI 48208 – (313) 894-2144 – View Map
Exclusive Insurance Agents
Exclusive agents can only place business with one company and examples are Allstate, State Farm and Farm Bureau. They generally cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets. Consumers sometimes use the same exclusive agent primarily because of the prominent brand name and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agencies in Detroit that can give you rate quotes.
- Anthony Jackson – State Farm Insurance Agent
23221 Plymouth Rd – Detroit, MI 48239 – (313) 533-2440 – View Map
- Kenya Wells – State Farm Insurance Agent
20021 Kelly Rd – Detroit, MI 48225 – (313) 822-5948 – View Map
- PD Dandnaik – State Farm Insurance Agent
W, 7725 Vernor Hwy – Detroit, MI 48209 – (313) 554-1500 – View Map
Choosing the best insurance agency needs to be determined by more than just a cheap quote. Some important questions to ask are:
- Are there any extra charges for paying monthly?
- What company holds the largest book of business for them?
- How long has the business existed?
- Which members of your family are coverage by the policy?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do they offer rental car reimbursement?
- Do they specialize in personal lines coverage in Detroit?
Once you have positive feedback to your questions and an affordable coverage quote, you have narrowed it down to an insurance agency that can be trusted to service your policy. Keep in mind it’s your coverage and you can cancel coverage whenever you choose to so don’t think you are locked into any specific agency with no way out.