How to buy car insurance in Flint
When it comes to purchasing auto insurance in Flint, the process doesn’t have to be complicated or time-consuming. Whether you prefer the traditional method of working with an agent or the convenience of shopping online, following these steps will help you save both time and money.
Do your information gathering
To ensure a smooth and efficient process when shopping for car insurance in Flint, it’s important to have all the necessary information at hand before speaking with an agent or going online to request an insurance quote.
- Name and birthdate of everyone who will be on the car insurance policy
- Drivers license numbers for each person to be covered
- Driving history for all drivers, including tickets, accidents, or any other violations
- Your current insurer, if applicable, and your current coverage limits
- Facts about the car: make, model, vehicle identification number, safety features, current odometer reading, annual miles driven
Determine your coverage needs
To ensure you get the right amount of coverage, it’s essential to determine your insurance needs. If you’re not sure where to start, you can use Michigan’s minimum auto insurance requirements as a guide.
- Bodily injury liability per person: $50,000
- Property protection within Michigan: $1 million
- Personal injury protection: $250,000 (lower limits are allowed for some Medicare and Medicaid recipients)
- Bodily injury liability per accident: $100,000
- Property damage liability per accident outside Michigan: $10,000
If you’re feeling uncertain about how much coverage you should get, don’t hesitate to reach out to an agent who can provide expert advice on the matter. With their experience and knowledge of the industry, they can help you assess your specific needs and tailor a policy to fit your budget and circumstances
Choose your buying method
When shopping for car insurance in Flint, you have a few options to get the cheapest rate possible. The first is to work with an insurance agent. There are different types of agents, including captive agents who work for a single insurance company like Nationwide or State Farm, and auto insurance brokers who represent multiple companies like Progressive or Geico. Additionally, specialty agencies can help those with a poor driving records, such as recent accidents, DUIs, tickets, or lapses in coverage.
The second way to buy car insurance in Flint is by purchasing it directly from an insurer online. This method eliminates the need to speak with an agent or representative. Instead, you can enter your information, and the website will generate quotes with all of your policy options and pricing. Once you have found a policy that works for you, you can complete the application online.
Ultimately, the method you choose will depend on your preference for interacting with an agent or representative. Both options can be effective in helping you find the cheapest car insurance in Flint.
Compare companies
To ensure you’re getting the best deal on auto insurance, it’s important to get quotes from multiple companies. Aim to get at least three quotes and be sure to compare apples to apples by asking for quotes with the same coverage limits. Once you have your quotes, it’s a good idea to check the National Association of Insurance Commissioners website to see if any consumer complaints have been filed against the insurer.
By taking these steps, you’ll be able to make an informed decision and select the best car insurance company and policy for your needs. Don’t rush the process, and remember that a little bit of research can go a long way in finding the right coverage at a price you can afford.
Buy your new policy and cancel your old one
When you’re purchasing a new car, it’s important to have auto insurance in place before you drive it off the lot. If you’re replacing coverage on an existing vehicle, reach out to your previous insurer and cancel the policy once your new coverage has taken effect. Keep in mind that if you cancel mid-term, you may be subject to a cancellation fee, but you should receive a refund for any unused premium.