Costing Too Much for Auto Insurance in Flushing Michigan? Here’s How to Save!

Are you confused by the dozens of auto insurance choices available to you? People have such a large number of options that it can really be a difficult challenge to compare rates. Lots of people think Flushing is an excellent city in which to live, but inflated auto insurance rates can make it nearly impossible to pay other bills every month.

Smart consumers take time to compare premium rates every six months because insurance prices are rarely the same from one policy term to another. Even if you got the lowest price on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re going to learn one of the best ways to lower your annual insurance bill.

If you have insurance now or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Pricing cheaper auto insurance in Flushing can be fairly easy. Michigan drivers only need to know how to shop over the internet.

Shopping for lower auto insurance rates can be a daunting task if you don’t know the most efficient way. You can spend countless hours talking about coverages with agents in Flushing, or you could use online quoting for quick rates.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company provides a quote determined by their information. This system prevents you from having to do form submissions to each company.

To find out how much you’re overpaying now click to open in new window.

The single downside to pricing coverage this way is buyers cannot specifically choose the companies to receive prices from. If you would rather choose specific providers to compare rates, we have a page of the cheapest auto insurance companies in Michigan. Click here for list of insurance companies in Michigan.

The approach you take is up to you, just double check that you are using apples-to-apples coverage limits and deductibles for every company. If the quotes have unequal deductibles or liability limits it’s impossible to decipher which rate is best in Flushing.

Which is the best auto insurance?

When choosing adequate coverage, there really is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • Is pleasure use cheaper than using my vehicle to commute?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need roadside assistance coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I crash into my own garage door?
  • Can I drive in Mexico and have coverage?
  • At what point should I drop full coverage?
  • Does my personal policy cover me when driving my company car?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance agents are trained to help

Some people just prefer to visit with an insurance agent and we recommend doing that Agents are highly skilled in risk management and help file insurance claims. A nice benefit of price shopping on the web is that you can obtain lower rates but still work with a licensed agent. Putting coverage with neighborhood agents is especially important in Flushing.

To make it easy to find an agent, after completing this quick form, the coverage information is submitted to participating agents in Flushing who will gladly provide quotes and help you find cheaper coverage. You never need to drive around due to the fact that quote results will go immediately to you. If you need to quote rates for a specific company, you can always navigate to their website to submit a rate quote request.

If you would like to find a reputable insurance agent or broker, you must know there are a couple different types of agencies from which to choose. Auto insurance policy providers are considered either independent agents or captive agents depending on their employer. Both types of agents can provide auto insurance policies, but it’s a good idea to understand the difference between them since it could factor into the kind of agent you use.

Independent Auto Insurance Agencies or Brokers

Agents that choose to be independent often have many company appointments so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. If prices rise, your agent can just switch to a different company and you won’t have to switch agencies. If you need cheaper auto insurance rates, you definitely need to include at least one independent agent to have the most options to choose from. Most independent agents also contract with smaller companies that many times have cheaper rates.

The following are independent agencies in Flushing that can give you rate quotes.

  • Mr Bob Davies Insurance – 493 Hut West Dr – Flushing, MI 48433 – (810) 659-1681
  • Rumsey Insurance Inc – 1408 Flushing Rd – Flushing, MI 48433 – (810) 659-8361
  • CIS Agency Inc – 3489 Pierson Pl – Flushing, MI 48433 – (810) 733-3880
  • TOM Duty Agency – 5008 Flushing Rd # 1 – Flushing, MI 48433 – (810) 732-7291

Captive Auto Insurance Agencies

These agents can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. Captives cannot place coverage with different providers so they have to upsell other benefits. Captive agents receive a lot of sales training on the products they sell which helps them sell on service rather than price. Consumers sometimes buy from captive agents partially due to the prominent brand name rather than low rates.

Listed below are captive agencies in Flushing that are able to give comparison quotes.

  • Allstate Insurance – 6429 W Pierson Rd # 14 – Flushing, MI 48433 – (810) 487-0140
  • Farm Bureau Insurance – 5180 Flushing Rd – Flushing, MI 48433 – (810) 732-5777
  • State Farm Insurance – 301 E Main St – Flushing, MI 48433 – (810) 659-4061

To help find agents near you, visit this full listing of insurance agents in Flushing.

Deciding on an auto insurance agent is decision based upon more than just a cheap quote. Here are some questions you should ask.

  • How will an accident affect your rates?
  • Do they offer rental car reimbursement?
  • Can they help ensure a fair claim settlement?
  • Which companies can they place coverage with?
  • If you raise deductibles, how much can you save?
  • How are they compensated?

Additional Michigan consumer information

Additional auto insurance information is located on the Michigan Office of Financial and Insurance Regulation website. Click here for link. Michigan consumers can view agent and company licensing information, learn about insurance regulations, find a variety of consumer forms, and find out industry alerts.

Also read more on and this page of insurance agents in Flushing.