Best Cheap Auto Insurance in Harbor Springs 49740
You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud.
To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.
We used this insurance company for four years, while not every experience was bad, one theme that persisted the entire time was they only returned about 30% of the emails when I wrote asking questions about policy. Even though I was told by the agent when buying the policy that email was a good way to communicate. This review is based on an experience, rather minor, that became a major complaint simply because they refused to even take the time to understand the nature of the complaint. I walked in off the street one day asking for advice on how to obtain a title on a four wheeler I bought off Craig's list without a title, didn't know who I bought it from. I was told you needed to purchase a surety bond for 5% of the value and submit this to the Secretary of State. The thought crossed my mind that perhaps the guy didn't give me the title because there could be a lien on it so I asked the agent if there was a way to find out about the lien status of a vehicle prior to purchasing this non-refundable bond. She stated, confidently, "there is no way to find out about the lein status apart from purchasing the bond, submitting it to the SOS and seeing if one turns up." This sounded odd to me, as I knew home liens were public record that can be searched online, but I trusted that since she was giving me advice in a professional capacity that she knew what she was talking about. I bought the bond which cost $100, submitted it to SOS, it was quickly sent back with the following statement. "We cannot release this title to you it has a lien on it, you should always check first before buying one of these bonds as it is public record and costs only $8 to find out." When I approached them with this info and expected an apology for being given misinformation in a professional setting I was instead met with defensiveness and not wanting to own their mistake. I kept getting, " we are an insurance company, not a private detective and can't be expected to keep up with SOS policy." I couldn't agree more, however the time to make that statement was when I asked the question about first finding out about the lien. I would not have been upset that she didn't know that, I was upset that she made up an incorrect answer rather then just saying " I don't know. " Had she said "I don't know, we are an insurance company, not the SOS," I would have asked her to wait on the bond while I researched it. I would have googled it, seen it to be a cheap and easy process, discovered the lien and never would have purchased the bond. When I went to both her direct supervisor and then the owner finally they both kept responding that "they also agreed that getting a surety bond was the best way to go about getting a title." This was never the complaint, the complaint was that they were permitting their staff to make statements about what SOS policy was when, by their own admission afterwards, this is an area they felt they were 'not well informed in and wasn't part of their job.' It was clear since they thought I was upset about the bond being recommended that they were not even bothering to read my emails. When I wrote the owner back stating I would prefer not to take this online but to protect members of my community from the same thing I would unless he gave me his guarantee that he would tell his staff not to give people any advice or guidance about what SOS policies are, just to stick to insurance, he followed the same company email policy I had experienced in the four years I used them which was not to reply at all. In general I strongly advise anyone using this company to first double check everything they say as they will not stand by their own words should they prove to be wrong. I did eventually get the bond refunded by the bond company as an exception. I sure had to fight for it though and felt it should have come from Burley as the bond company was not the one to provide me with false information leading to the purchase.