Tightwads Instructions on Saving on Flint Michigan Car Insurance

Shopping for low-cost Flint car insurance on the web may be somewhat difficult for people who are new to comparison shopping online. Because there are so many insurers available, how can anyone even start to compare them all to find the lowest price?

Don’t overlook these discounts

Car insurance companies don’t list all available discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden discounts you could be receiving. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • No Accidents – Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more than drivers with accident claims.
  • Fewer Miles Equal More Savings – Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
  • Homeowners Discount – Owning a house in Flint can help you save on car insurance because maintaining a house shows financial diligence.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

To choose insurers offering car insurance discounts in Flint, click here.

Do I need special coverages?

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Does my personal policy cover me when driving my company car?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my vehicle covered for flood damage?
  • Should I have combined single limit or split liability limits?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Neighborhood agents for car insurance

Some people prefer to sit down with an agent and there is nothing wrong with that. Educated insurance agents can answer important questions and give you someone to call. The best thing about comparing rates online is you may find lower rates and still choose a local agent.

To find an agent, once you fill out this form (opens in new window), your information is transmitted to local insurance agents in Flint who will give you bids to get your business. You don’t have to even leave your home due to the fact that quote results will go to the email address you provide. Now that’s easy!

Picking an insurance company should depend on more than just a low price. Any agent should have no problem answering these questions:

  • Do the companies they represent have a solid financial rating?
  • Can glass repairs be made at your home?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How often do they review policy coverages?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Is their price quote a firm figure or are their hidden costs?

Different types of Flint auto insurance agents

When finding a reputable insurance agent or broker, there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Flint are categorized either captive or independent (non-captive). Either one can write coverage properly, but it’s worth mentioning the differences because it can impact buying decisions.

Captive Insurance Agents

Captive insurance agents work for only one company like American Family, Liberty Mutual and AAA. They are unable to give you multiple price quotes so keep that in mind. Captives receive extensive training on the products they sell which can be an advantage. Some consumers prefer to choose to use a captive agent primarily because of high brand loyalty and strong financial ratings.

Listed below is a short list of captive agencies in Flint who can help you get price quotes.

  • Farmers Insurance Group – 4419 Richfield Rd – Flint, MI 48506 – (810) 736-0840
  • Farm Bureau Insurance – 3023 S Dye Rd – Flint, MI 48507 – (810) 732-9770
  • Allstate Insurance – 3464 N Linden Rd – Flint, MI 48504 – (810) 732-5200
  • State Farm Insurance – 2515 S Dye Rd – Flint, MI 48532 – (810) 732-6110
Independent Agencies or Brokers

Independent agents are not required to write business for one company so they have the ability to put coverage with lots of companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When searching for an agent, we recommend you get quotes from multiple independent agents to ensure the widest selection of prices. They also have the ability to place coverage with lesser-known insurance companies who may have lower rates.

Below are Flint independent agents that are able to give comparison quotes.

  • Khirfan Insurance and Financial – 1471 S Elms Rd – Flint, MI 48532 – (810) 720-1969
  • AAM Insurance – 3092 W Pierson Rd – Flint, MI 48504 – (810) 789-5250
  • Jameson Westenbarger Agency – 2442 E Maple Ave – Flint, MI 48507 – (810) 742-8333

To view a full list of Flint insurance agents, view this link.

After receiving positive responses to any questions you have and locked in a price quote, you may have just found an auto insurance agent that can service your policy.

Flint Michigan car insurance quote

More consumer information in Michigan

Even more information can be read at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to view agent and company licensing information, discover disciplinary actions, and get help finding coverage.

Shop smart and save

Consumers change insurance companies for many reasons like extreme rates for teen drivers, high rates after DUI convictions, lack of trust in their agent and an unsatisfactory settlement offer. Regardless of your reason, finding a new company is not as difficult as it may seem.

Affordable car insurance is definitely available from both online companies and with local Flint insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

You just learned some good ideas how you can get a better price on car insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest priced car insurance comes from a small local company.