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Buy Michigan Auto Insurance Today | Online Auto Insurance Michigan

Posted on: April 26th, 2010 by admin

Many people wonder what to expect when they buy Michigan auto insurance.  If it has been awhile since you last shopped then you may be clueless as to the best way to go about comparison shopping for mi auto insurance.  There are a few things that you should be aware of as a consumer when you shop for and buy Michigan auto insurance.  I will try to cover the basics here to guide you in your journey for cheap auto insurance Michigan.   The first thing to consider is whether you want to work with a local agent or if you are comfortable purchasing online auto insurance Michigan.  If you choose to work with an agent you should know that there are two different types of insurance agents out there.  There are captive agents and independent agents.  Captive insurance agents only represent one insurance company.  Therefore, they can only provide you with quotes from one company.  Because of this fact they are not able to help you shop the competition.  An independent insurance agent represents multiple insurance companies and they are able to provide quotes from all of them.  They have the ability to shop around on your behalf to find you the best rate.  An independent agent’s main goal is to find you the best rate because they are not partial to any one company.  You may be asking yourself which type of agent is better.  It is really up to you.  You may decide that you would rather just utilize the power of the internet to purchase online auto insurance Michigan.  So in reality there is no right or wrong way to shop for auto insurance.  Choose the method that you are most comfortable with.   When you buy Michigan auto insurance from a captive Michigan agent I would expect to pay a little bit more because you are not really shopping the competition. You do have the advantage to meet your agent face to face though and if you have a claim then it will be handled out of their office. If you decide to work with an independent insurance agent you should expect that they shop around with the companies that they represent and find the best deal for you. Since they are not biased to one insurance company and have variety they most likely will find the most competitive price. If you have a claim you will be dealing directly with the insurance company to get everything resolved. Although this is not a bad thing because most insurance companies pride themselves on their award winning claims service and most are 24 hours a day. At the end of the day you need to decide if you will shop for online auto insurance Michigan or if you will buy Michigan auto insurance from a local agent.  I hope you find the savings you are looking for.

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