Port Huron Car Insurance Agent 101

When shopping for car insurance, there are a lot of options and picking a good Michigan insurance agency is not as easy as just making a phone call. It’s likely you’re wanting a competent insurance agent, but also great rates as well.

With companies like Allstate, Farmers and State Farm as well as independent agents having offices in Port Huron, it can be hard to know which one will have the best rates, service and coverage. To help decide, consumers can get online quoting to build a list of agencies and price estimates.

Compare Port Huron agent rates online

Good agents can answer important questions and give you someone to call. The best thing about price shopping on the web is you may find the lowest rates and still choose a local agent. And supporting small agencies is important especially in Port Huron.

For easy comparison, once you complete this simple form, your insurance data is transmitted to agents in your area who will battle for your insurance coverage. You won’t need to even leave your home as quotes are delivered immediately to your email address. How cool is that?!

Different types of insurance agents in Port Huron

When researching local Port Huron agents, you must know there are a couple types of insurance agents that you can select. Agents are either captive or independent (non-captive). Both types can do a good job, but it’s worth mentioning how they differ since it can impact the selection process.

Independent Insurance Agents

Independent insurance agents are not required to write business for one company so they can insure your vehicles amongst many companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency.

When shopping rates, we recommend you include at a minimum one independent agency for the best price selection.

Listed below is a short list of independent insurance agents in Port Huron that may be able to provide pricing information.

S Pyryt Agency – 1707 Lapeer Ave – Port Huron, MI 48060 – (810) 984-8311
Barger Insurance Inc – 2325 10th St – Port Huron, MI 48060 – (810) 989-9541
John Gilbert Agency – 2936 Pine Grove Ave – Port Huron, MI 48060 – (810) 984-8315
Adva Sure Insurance – 1936 Pine Grove Ave – Port Huron, MI 48060 – (810) 985-9100
Jakacki/Kemp Agency – 207 1/2 Huron Ave – Port Huron, MI 48060 – (810) 989-5433

Agency Captives

Captive agents work for only one company such as American Family, Liberty Mutual and AAA. These agents are not able to compare other company’s rates so they have no alternatives for high prices. Captive agencies are well schooled on their products and sales techniques which helps them compete with independent agents.

The following is a list of captive insurance agents in Port Huron that can give you price quotes.

Farm Bureau Insurance – 1620 Stone St – Port Huron, MI 48060 – (810) 984-5200
Allstate Insurance – 1808 Pine Grove Ave – Port Huron, MI 48060 – (810) 982-2340
State Farm Insurance – 3946 24th Ave – Port Huron, MI 48060 – (810) 982-4232

To view a complete directory of Port Huron captive agents, view this link.

Selecting a car insurance agent shouldn’t rely on just the premium amount. Any agent should have no problem answering these questions:

Who is covered by the car insurance policy?
What is the agency’s Better Business Bureau rating?
Can glass repairs be made at your home?
Who are their largest clients?
Do the companies they represent have a solid financial rating?
How long have they worked with personal auto insurance coverage?
If your car is totalled, how to they determine the replacement cost?

Upon getting positive responses and a low price estimate, most likely you have located an insurance agent that can properly insure your vehicles.

Can I save by eliminating the insurance agent?

Auto insurance agents are important to many people, but you also have the option of buying Michigan car insurance from companies direct over the internet. A few companies like Allstate and State Farm who sell through agents in Port Huron also give you the ability to get a quote and buy online, so that should be considered.

If you’re anxious about not getting advice from an agent, don’t let it bother you. Online car insurance companies all have toll-free customer service you can use to get advice on coverages.

Are car insurance rates lower online? It’s hard to say exactly because there are a lot of things that determine the price you pay. It’s often assumed that shopping online for auto insurance reduces premiums because there is no agent. In reality, online and traditional media advertising are expensive and this tends to eat up any savings.

Cheaper insurance is a realistic goal

Discount car insurance can be bought from both online companies and also from your neighborhood Port Huron agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Insureds change insurance companies for a variety of reasons including delays in paying claims, being labeled a high risk driver, extreme rates for teen drivers or even denial of a claim. No matter why you want to switch, finding a new company is not as hard as you think.