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Best Local Car Insurance Agencies in Livonia

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Arlington Agency, Inc. logo
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License Verified:

License: 0006676

Department Of Insurance And Financial Services

Arlington Agency, Inc.

38145 Plymouth Road, Livonia, MI 48150
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  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Business Description

Arlington Agency Inc. is an insurance agency in Livonia that offers insurance products to residents in the metro and nearby areas. The company provides clients auto insurance policies that protect the owners, drivers, and vehicles from personal injury liabilities, property damages, and medical expenses. Its policies also cover passengers, pedestrians, and other people's properties in the event of accidents or collisions. The independent insurance agency has been operating since 1971.

License Verified:

License: 0006676

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Don Parrish logo
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License Verified:

License: 8583166

Department Of Insurance And Financial Services

Don Parrish

15401 Farmington Road, Livonia, MI 48154
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  • Bundling Option

Business Description

Don Parrish is a car insurance agent based in Livonia. He caters to auto insurance cases ranging from collision and comprehensive to rental and rideshare. Don also offers other insurance services such as life, condo, and renters insurance. He is a member of the Livonia Chamber of Commerce and a supporter of the Livonia Community. Don was born and raised in the Canton Community and has been a Special Olympics volunteer for 20 years.

License Verified:

License: 8583166

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.5 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Garwood, Buda, Knight & Associates, Inc. logo
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License Verified:

License: 977413

Department Of Insurance And Financial Services

Garwood, Buda, Knight & Associates, Inc.

33039 Schoolcraft Road, Livonia, MI 48150
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  • Multiple Carriers

Business Description

Garwood, Buda, Knight & Associates Inc. (GBK Insurance) is an insurance agency that specializes in auto, business, home, and life insurance products. The company is based in Livonia and offers comprehensive auto insurance policies to residents in the metro. The policies provide coverage for property damages, bodily injury liabilities, physical damages to the vehicle, as well as medical payment. GBK Insurance was established in 1968 and represents known providers such as Progressive and Michigan Millers.

License Verified:

License: 977413

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kevin Mlynek logo
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License Verified:

License: 16905090

Department Of Insurance And Financial Services

Kevin Mlynek

17318 Farmington Road, Livonia, MI 48152
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  • Multiple Carriers

Business Description

Kevin Mlynek is a State Farm insurance agent offering auto coverage plans for clients in Livonia. He offers auto insurance options that are tailored to a driver or vehicle, including specialty cars such as sports, classical, and vintage. Personal vehicle owners can expect policies that include collisions and comprehensive coverage, as well as liability protection and options that secure car rentals, medical expenses, and uninsured or underinsured motorists. He also offers commercial auto insurance that includes employer's non-owned car liability coverage.

License Verified:

License: 16905090

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Legacy Partners Insurance Services - Livonia logo
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License Verified:

License: 0106113

Department Of Insurance And Financial Services

Legacy Partners Insurance Services - Livonia

31300 Plymouth Road, Livonia, MI 48150
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  • Motorcyle & ATV

Business Description

Legacy Partners Insurance Services - Livonia, established in 1919, offers car insurance within the metro and surrounding areas. They have an array of personal and commercial insurance, products that financially cover homeowners, motorcycles, inland or ocean marine, professional liability, and workers' compensation. As an independent agency, they advocate for their client's interests by analyzing and comparing products from a wide network of local and international carriers. Because of this, they are also able to facilitate referrals from other agencies.

License Verified:

License: 0106113

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (11)
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Metro Agency, Inc. logo
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License Verified:

License: 958871

Department Of Insurance And Financial Services

Metro Agency, Inc.

32646 Five Mile Road, Livonia, MI 48154
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  • Multiple Carriers

Business Description

Metro Agency, Inc., tailors each auto insurance plan to fit a client's particular needs and preferences. With a history dating back to 1959, the agency is one of the oldest independent insurance companies in Livonia. In addition to consultation over the phone, the website serves as an additional resource for potential clients to learn more about the firm's services and for existing customers to make changes in their policies or to file claims.

License Verified:

License: 958871

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (39)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Paul Lee Agency, Inc. logo
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License Verified:

License: 964288

Department Of Insurance And Financial Services

Paul Lee Agency, Inc.

19329 Farmington Road, Livonia, MI 48152
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  • Bundling Option

Business Description

Paul Lee Agency, Inc., is a family-owned Asian-American insurance agency based in Livonia that offers auto insurance services. It caters to individuals, families, and businesses within the nearby areas. Since 1986, it has been providing insurance policies that protect the clients' investments and legacies. As an independent agency, it works with various carriers to provide coverages, which may include property, liability, and medical. Paul W. Lee, the C.E.O and president, has been in the industry for over 25 years.

License Verified:

License: 964288

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Randy Cagwin logo
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License Verified:

License: 8337085

Department Of Insurance And Financial Services

Randy Cagwin

37464 Five Mile Road, Livonia, MI 48154
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  • Multiple Carriers

Business Description

Established in 1950 by Randy Cagwin, Cagwin Agency is a full-service insurance agency that serves residential and commercial clients in Livonia and nearby areas. The company offers a wide selection of policies for auto, vintage car, boat, watercraft, RV, and motorcycle insurance. Its team of agents also provides insurance plans for homeowners. Cagwin Agency is affiliated with reputable and reliable insurance companies and is a member of the American Automobile Association.

License Verified:

License: 8337085

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Warrendale Insurance Agency logo
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License Verified:

License: 9080507

Department Of Insurance And Financial Services

Warrendale Insurance Agency

29195 Plymouth Road, Livonia, MI 48150
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  • RV & Motorhome
  • Boats

Business Description

As an independent insurance agency, Warrendale Insurance Agency screens multiple companies to help clients find the suitable policy for them. Serving Livonia and nearby communities, the agency offers business and personal insurance that covers auto, home, flood, and condo insurance. Assisting vehicle owners, it provides coverage for collision, comprehensive, liability, and personal injuries. Aside from autos, Warrendale Insurance Agency also offers policies for boats, jet skis, and recreational vehicles such as ATVs.

License Verified:

License: 9080507

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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