If you’re trying to find an insurance agent in Troy, Michigan, it’s recommended you begin your search on the web to save yourself time. It’s assumed you require not only a good agent that listens to you, but also affordable coverage.
With Farmers, Allstate, and independent agents having local Troy offices, it’s difficult to determine which one will provide you with the best service and rates. Fortunately, it’s easy to use insurance quotes online in order to build a list of insurance agencies and price estimates.
How to compare Troy auto insurance rates
Agents are trained to spot inefficiencies and give you someone to call. The best thing about comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to. Buying from small agencies is important especially in Troy.
Once you complete this simple form, your coverage information is sent to insurance agents in Troy who will return price quotes for your insurance coverage. You won’t need to visit any agencies because quoted prices will be sent directly to your email. How’s that for easy!
Independent or Captive: It’s your choice
When finding local Troy agents, you need to know there are two types of agencies that you can select. Agents can either be independent or captive. While both can write coverage properly, but it’s good to learn how they are different since it can impact the selection process.
Independent Agents
These agents are not locked into one company but rather can write business with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.
When searching for an agent, you should always contact multiple independent agents for maximum quote selection.Most can insure with lesser-known insurance companies which may provide better rates.
Shown below are Troy independent agencies that can give you price quote information.
- Robert Denha Agency – 41113 Dequindre Rd – Troy, MI 48085 – (248) 879-2644
- American Insurance Inc – – Troy, MI 48083 – (248) 214-3570
- Unified Insurance Inc – 1890 Crooks Rd – Troy, MI 48084 – (248) 273-0970
- Preston Smith Agency – 200 E Big Beaver Rd – Troy, MI 48083 – (248) 680-4610
- Bruce D Smith Agency – 89 W South Blvd # 700 – Troy, MI 48085 – (248) 879-3100
Captive Insurance Agents
This type of agents write business for a single company and examples are AAA, Allstate and State Farm. These agents are not able to give you multiple price quotes so they have to upsell other benefits. These agents receive extensive training on their company’s products which can be an advantage. Some people will only purchase coverage from captives partially due to high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below are Troy captive insurance agencies who can help you get price quote information.
- Farmers Insurance Group – 1977 E Wattles Rd # D – Troy, MI 48085 – (248) 524-1070
- Allstate Insurance – 3622 Rochester Rd – Troy, MI 48083 – (248) 524-9970
- State Farm Insurance – 4101 John R Rd # 500 – Troy, MI 48085 – (248) 689-5151
For a complete listing of captive insurance agents in Troy, click here to link.
Deciding on a car insurance agent requires more thought than just the premium amount. These questions are important to ask:
- How much can you save by raising your physical damage deductibles?
- Will their companies depreciate repairs to your car based on the mileage?
- Are claims handled at the agent’s location?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Did they already check your driving record and credit reports?
Once you have positive feedback to all your questions and an acceptable price quote, you’ve probably found an insurance agency that is a good match to properly insure your vehicles.
Buying car insurance direct is an option
Insurance agencies are a valuable resource, but Michigan drivers can also buy from companies direct over the internet. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also let you get quotes and purchase online, so keep that in mind if you are the do-it-yourself type.
If you’re worried about not receiving proper advice, that is normal but is not a big issue. Online car insurance companies that allow you to purchase coverage provide toll-free numbers that you can contact for information.
Are car insurance rates lower online? Many people think so, but it’s hard to say for sure due to the fact that there are multiple individual factors that impact your final bill. Common sense would say that buying direct saves money because there is no commission. For the majority of companies, however, it’s expensive to advertise and that can cost more than having to pay agents.
More Michigan auto insurance resources
Much more information about auto insurance in Michigan is available on the Michigan Office of Financial and Insurance Regulation website. Click here for link. Visitors are able to read state legal mandates and laws, read consumer alerts, and learn about specific coverages.
The following articles may also be useful.
- Professional Techniques to Saving Money on Troy Michigan Auto Insurance
- Troy Auto Insurance Agents Do Your Homework Online
- Techniques for Lowering Your Troy, MI Car Insurance Rates
Online plus local equals savings
When shopping online for auto insurance, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an accident victim reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
Cost effective auto insurance is available from both online companies in addition to many Troy insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and these small, regional companies work with independent agents.
