Learn How to Cut Costs on Saginaw, MI Auto Insurance

Paying for high-priced auto insurance can drain your savings account and put the squeeze on your family’s finances. Comparison shopping is a great way to lower your monthly bill. You have multiple insurers to purchase coverage from, and even though it’s nice to be able to choose, having more car insurance companies makes it harder to find the best rates for your vehicles.

It’s important to compare rates on a regular basis because rates go up and down regularly. Despite the fact that you may have had the best deal last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the easiest way to find great coverage at a great price.

This article will teach you the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Michigan drivers just need to know the proper methods to get comparison rates online.

Where Can I Get Cheap Saginaw Auto Insurance?

There are a variety of methods you can shop for auto insurance but some are less time-consuming than others. You can waste a lot of time talking about coverages with local insurance agents in Saginaw, or you can utilize the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to an insurance system where insurance shoppers send in one quote, and every company can provide price quotes based on the submitted data. This prevents consumers from doing quote forms to every company.

To compare pricing click here to start a free quote.

The single downside to doing it this way is you don’t know exactly which providers to get quotes from. If you prefer to choose from a list of companies to request quotes from, we have a listing of auto insurance companies in Michigan. View list of Michigan insurance companies.

It’s up to you how you get prices quotes, just double check that you are using the exact same quote information for every quote you compare. If you compare different values for each quote it will be next to impossible to find the best deal in Saginaw.

Take discounts and save

Insuring your vehicles can cost a lot, but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be specifically requested before you get the savings. If you’re not getting every credit available, you are paying more than you should be.

  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Drivers Education – Have your child successfully complete driver’s ed class in high school.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings when buying auto insurance.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount depending on your company.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less than drivers with accident claims.
  • Homeowners Savings – Being a homeowner can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a set time period.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. But any discount will cut the cost of coverage.save money concept

To choose insurance companies offering auto insurance discounts in Saginaw, click here to view.

Quote online but work with a neighborhood agent

Some consumers just want to sit down with an agent and that is a personal choice. Educated insurance agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of price shopping on the web is the fact that you can find the lowest rates and still choose a local agent. Buying from small agencies is important especially in Saginaw.

To make it easy to find an agent, after completing this simple form, the quote information is emailed to insurance agents in Saginaw who will return price quotes to get your business. You never need to drive around because quoted prices will be sent to your email. Now that’s easy!

Is a captive or independent insurance agency right for you?

When finding a local agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Saginaw agents are categorized either independent or captive. Both write coverage properly, but it’s worth mentioning how they are different because it can impact your agent selection.

Independent Agents

Independent agencies are not employed by any specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent. When searching for an agent, it’s recommended you contact at a minimum one independent agency to get the best comparison.

The following is a list of independent insurance agencies in Saginaw that are able to give price quotes.

Anguiano Agency – 3925 N Michigan Ave – Saginaw, MI 48604 – (989) 753-1677
Jim Adrzejewski Agency – – Saginaw, MI 48603 – (989) 792-2800
Meemic Insurance Co – 331 S Center Rd – Saginaw, MI 48603 – (989) 791-1121
Horace Mann Insurance Co – 3201 Shattuck Rd – Saginaw, MI 48603 – (989) 792-4060
Emil Rummel Agency – 4120 Davenport Ave – Saginaw, MI 48603 – (989) 793-2100

Agency Captives

Captive agencies are contracted to one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They generally cannot shop your coverage around so it’s a take it or leave it situation. They are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Shown below are Saginaw captive agents that are able to give rate quotes.

Liberty Mutual Insurance – 4800 Fashion Square Mall # 460 – Saginaw, MI 48604 – (989) 249-0321
Farm Bureau Insurance – 2463 Tittabawassee Rd – Saginaw, MI 48604 – (989) 791-1576
Allstate Insurance – 2135 N Center Rd – Saginaw, MI 48603 – (989) 799-7100
State Farm Insurance – 5719 Bay Rd – Saginaw, MI 48604 – (989) 799-2200

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For a complete listing of Saginaw captive agencies, visit this site.

Selecting an insurance agent requires more thought than just the premium amount. Some important questions to ask are:

  • How long has their agency been in business in Saginaw?
  • Which members of your family are coverage by the policy?
  • Are you getting all the discounts the company offers?
  • Will your rates increase after a single accident?
  • Is the agent and/or agency licensed to do business in Michigan?
  • If they are an independent agency, which companies do they recommend?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Once you have received positive responses for all questions you ask and an acceptable price quote, you have narrowed it down to a car insurance agent that meets your needs to properly insure your vehicles.

Additional information can be read on the website for the Michigan Office of Financial and Insurance Regulation located here. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, and learn about insurance regulations.

Other informative sites include these car insurance answers and this page for help finding agents in Saginaw, MI.

More comparisons equals lower rates

Low-cost auto insurance can be purchased on the web in addition to many Saginaw insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There have been many cases where drivers have reduced liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.