How to Know You’re Wasting Money for Car Insurance in Cadillac, MI

When shopping for more affordable insurance, are you intimidated by the number of car insurance companies available to you? Many other drivers are as well. Michigan people have such a large number of options that it can easily turn into a lot of work to compare rates. Everyone knows Cadillac is an excellent city in which to live, but high car insurance prices can make it impossible to be able to afford adequate car insurance coverage limits.

It’s a good idea to shop coverage around on a regular basis because car insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest price two years ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re going to learn how to quote online to find better rates and still maintain coverage.

If you are insured now or are just looking to switch companies, you can use this information to find the best rates and possibly find even better coverage. Finding more affordable coverage in Cadillac can be fairly easy. Michigan drivers just need to know the proper methods to shop online.

Comparing car insurance rates can be a lot of work if you don’t know the best way to get rate quotes. You can waste hours talking to local insurance agents in Cadillac, or you could use the internet to achieve your goal.

Many popular insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and each company then gives them pricing based on that information. This eliminates the need for form submissions to each individual car insurance company.

To find out what other companies charge click to open in new window.

One minor caviat to doing it this way is you cannot specify which carriers to receive prices from. If you would rather choose specific providers to request quotes from, we have a listing of the cheapest car insurance companies in Michigan. View list of Michigan insurance companies.

It doesn’t matter which method you choose, just make sure you are using the exact same deductibles and coverage limits for every quote you compare. If you use different liability limits it will be very difficult to make a fair comparison in Cadillac.

Do I need special coverages?

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.<img class="alignright" style="padding-top:15px;" src="" alt="Michigan car insurance“/>

These are some specific questions might point out if your insurance needs could use an agent’s help.

  • What are the best liability limits?
  • What are the financial responsibility laws in Michigan?
  • Does medical payments coverage apply to all occupants?
  • Does coverage extend to a rental car in a foreign country?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage if my license is suspended?
  • What is the difference between comprehensive and collision coverage?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Local agents and car insurance

A small number of people still like to visit with an insurance agent and that is a personal choice. Good insurance agents are highly skilled in risk management and give you someone to call. The best thing about comparing rates online is the fact that drivers can get better rates and still buy from a local agent. Putting coverage with neighborhood insurance agencies is important particularly in Cadillac.

For easy comparison, once you complete this quick form, your insurance data is transmitted to participating agents in Cadillac that can give you for your insurance coverage. It’s much easier because you don’t need to leave your computer as quotes are delivered instantly to you. If you want to compare prices from a specific insurance company, you would need to go to their quote page and give them your coverage information.

When looking for a reputable insurance agent or broker, you should know the types of insurance agents and how they can write your policy. Agents are either captive or independent (non-captive). Either can write car insurance policies, but it’s worth learning why they differ since it could factor into your selection of an agent.

Independent Agents (or Brokers)

Independent agencies are not limited to a single company so they can write business with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move your policy to a different company which is easy for the insured. When comparing rate quotes, we recommend you get several quotes from multiple independent agents for maximum quote selection. Most have the option of insuring with less well-known companies which can be an advantage.

Below is a partial list of independent insurance agencies in Cadillac that may be able to give free rate quotes.

  • Coffey Insurance – 207 N Mitchell St – Cadillac, MI 49601 – (231) 775-3421
  • Playter Zakrajsek Agency – 7570 E 34 Rd – Cadillac, MI 49601 – (231) 779-1018
  • Dennis Spurgeon Insurance Agcy – 7192 E 34 Rd – Cadillac, MI 49601 – (231) 779-2872
  • Meemic Insurance Engels Agency – 8169 E 34 Rd – Cadillac, MI 49601 – (231) 775-2675
  • Orrin A Sprague Agency Inc – 6631 E M 115 – Cadillac, MI 49601 – (231) 775-4671

Captive Car Insurance Agencies

Agents of this type are contracted to one company and examples are Allstate, State Farm and Farm Bureau. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive insurance agents receive a lot of sales training on what they offer which helps them sell on service rather than price. Some insured continue to use the same captive agent partially due to the brand name rather than low rates.

Shown below are Cadillac captive agencies willing to provide price quote information.

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  • State Farm Insurance – 212 W North St – Cadillac, MI 49601 – (231) 775-9762
  • Farm Bureau Insurance – 9052 E 13th St # B – Cadillac, MI 49601 – (231) 779-7936

To view insurance agents near you, view this complete selection of insurance agencies in Cadillac, MI.

Finding the right insurance agency is decision based upon more than just a cheap quote. Ask your prospective agent these questions:

  • Are they able to influence company decisions when a claim is filed?
  • Are they primarily personal or commercial lines agents?
  • Which family members are covered?
  • Has the agent ever had any license suspensions?
  • Do they have a Better Business Bureau rating in Cadillac?

Learn more about Michigan car insurance

Additional car insurance information is available on the website for the Michigan Office of Financial and Insurance Regulation through this link. Michigan consumers can learn about insurance regulations, file complaints about an insurance agent or broker, report car insurance fraud, and read industry bulletins.

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