When finding a licensed insurance agent in Sterling Heights, it’s recommended you start your research on the web in order to save time. It’s likely you want a competent insurance agent, but you also need great rates as well.
With insurance companies like independent agents, Allstate and State Farm all competing for business in Sterling Heights, consumers have a hard time knowing which auto insurance agent will provide the best rates, service and coverage. Thankfully, consumers can get online price quotes to get a list of insurance agents from which to choose.
Educated insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is that you can obtain better rates but also keep your business local. Supporting local insurance agencies is important particularly in Sterling Heights.
For easy comparison, once you complete this quick form, your coverage information is immediately sent to companies in Sterling Heights who will battle for your coverage. There is no reason to visit any agencies as quotes are delivered immediately to your email address. Now that’s easy! You’ll get the best rates and an insurance agent to talk to.
If you’re trying to find local Sterling Heights agents, you must know there are a couple types of insurance agents from which to choose. Insurance agencies in Sterling Heights are classified as either captive or independent (non-captive).
Independent agencies are not locked into one company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, it’s a good idea to include at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with smaller companies who may have lower rates.
Listed below is a short list of independent agents in Sterling Heights willing to provide price quote information.
These agents write business for a single company like State Farm or Allstate. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage. Consumers sometimes purchase coverage from captives mainly due to the prominence of the brand and the convenience of having all coverages with one company.
The following is a list of captive insurance agencies in Sterling Heights that are able to give price quotes.
For a full directory of captive agents in Sterling Heights, please view this page.
Picking an insurance agency shouldn’t rely on just the premium amount. These are valid questions to ask:
Upon receiving positive feedback to these questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that will insure your vehicles.
Insurance agencies serve a purpose, but you also have the option of buying direct from companies that only sell online. Some companies that are more known for using agents, also let you buy a policy online, and consumers should do that if you don’t want to take the time to contact agents.
If you’re uncomfortable with not getting proper coverage when shopping online, this is normal but is quickly overcome. All companies have customer service departments to walk you through the process. Consumers also can use help pages and frequently asked questions that you can use if you have questions.
Does it save money buying online? It’s hard to say exactly since companies use quite a few components that impact your premium. Common sense would say that a consumer who buys direct saves money by not requiring a commission. But in most cases, the cost of constant advertising is expensive so there may not be significant savings.
Additional information is available on the Michigan Office of Financial and Insurance Regulation website found here. Visitors are able to learn about insurance regulations, learn about specific coverages, and read enforcement actions against agents and companies.
Cheaper car insurance can be found online in addition to many Sterling Heights insurance agents, so you should compare both to get a complete price analysis. Some companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.
Drivers switch companies for a number of reasons such as policy non-renewal, high prices, an unsatisfactory settlement offer or even denial of a claim. Whatever your reason, switching companies can be pretty painless.