Selecting a car insurance company in Lansing, MI can be time consuming since there are a lot of options and picking a good Michigan insurance agent is more difficult than just making a phone call. You need a good agent, but also need the lowest rates in Lansing.
Insurance companies such as Allstate, Liberty Mutual and State Farm continually bombard you with advertising and it is challenging if not impossible to separate fact from fiction and find the best price available.
Car Insurance from Lansing insurance agents
Professional agents can point out coverage gaps and give you peace of mind. One of the great benefits of getting online price quotes is you may find the lowest rates and still choose a local agent.
By using this simple form, your insurance data gets sent to local insurance agents in Lansing who will compete for your coverage. You never need to drive around since price quotes are sent immediately to your email address. How’s that for easy! It’s the lowest rates without the usual hassles of price shopping.
Choosing a car insurance agent requires more thought than just the premium amount. Ask your prospective agent these questions:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is the agency involved in supporting local community causes?
- Does the agency provide any after hours assistance?
- Does the agency have a good rating with the Better Business Bureau?
- Are there any discounts that you might be missing?
- Is vehicle mileage a factor when determining depreciation for repairs?
If you prefer to view licensed agents in Lansing, visit this site.
Upon getting reasonable responses for all questions you ask and a low price estimate, you’ve probably found an insurance agent that meets your needs to insure your vehicles.
What is the best insurance coverage?
When choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.
- Is business property covered if stolen from my car?
- Will I lose any money if I cancel my policy before it expires?
- Why is insurance for a teen driver so high in Lansing?
- Do all my vehicles need collision coverage?
- Do I have coverage for damage caused while driving under the influence?
- Does coverage extend to a rental car in a foreign country?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent.
Do online insurance companies save me money?
Insurance agencies are important, but you also have the option of buying direct over the internet. A few companies who have local agents in Lansing additionally provide the ability to get quotes and purchase online, and consumers should do that if you’re trying to lower your rates.
If you’re apprehensive about not getting advice from an agent when buying direct, don’t let it bother you. Companies that require consumers to choose their own coverages have toll-free phone numbers and other options for customer questions.
Are online companies cheaper? Whether or not you’ll save is impossible to say since there may be dozens of rate factors which can adversely affect your policy premium. You may think that shopping direct saves the commission normally paid to an agent. But in reality, advertising budgets are huge so the rates may be similar to buying from an agent.
When shopping for low rates, the only way to find out if car insurance prices are lower online or from agents is to get free quotes from both and compare them. You could possible even receive different price quotes when quoting both agents prices and online prices from the same company.
In Summary
People who switch companies do it for any number of reasons including policy cancellation, extreme rates for teen drivers, being labeled a high risk driver and questionable increases in premium. No matter why you want to switch, finding a new company is less work than it seems.
As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. In many cases, an insured dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.
Learn more today
Additional detailed information can be found at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to read consumer alerts, read state legal mandates and laws, and discover disciplinary actions.
Additional helpful sites include Auto Insurance 101 and this page of Lansing insurance agents.
