When I see the amount of advertising some companies do to get your business I’m amazed. They claim you can save 15% because they don’t use agents. It’s almost funny that they don’t mention they spend billions of dollars on advertising using, television, radio, billboards, magazines, newspapers, internet and on and on. I hope you will consider the following before you buy insurance form someone in a smock named Flo.
All our policies come with an agent. We strive to understand your insurance needs and offer suggestions and advice that provides the proper protection at affordable prices. We don’t pull a box of insurance off the shelf and hope it fits. We tailor your coverage to your individual needs and shop for the best rate from some of the finest companies in Michigan.
As Independent Insurance Agents we are vastly different than online companies and even the direct companies (State Farm, Allstate, AAA, Farmers, etc) in that we do not work for an insurance company. We are independent local business people aligned with a select few insurance companies. We are not employees of any insurance company, we work for you. With online & direct writers, agents and customer service representatives are employees of the insurance company and not policyholder advocates. In the event of a dispute you might find yourself - on your own.
We’ve all experienced the nightmare of automated attendants and the maze of confusing options offered by the mega company’s phone systems. A real, live person answers our phone and if we can’t answer your question right away we return your call promptly.
Here is a typical waiver from an online insurance company. Please don’t feel like you have to read the whole thing just understand there are no waivers when you buy from us.
“Insurance Company shall not be liable for any injury, loss, claim or damage, nor any indirect, special, incidental or consequential damage of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) the unauthorized access to or alteration of your transmission or data, even if Insurance Company has been advised of the possibility of such damage, unless resulting from the gross negligence or intentional actions of Insurance Company”
Bricks & Mortar:
Most online insurance companies have their operations at some distant national call center. This means the only way to commuicate with them is the telephone or internet. We are conveniently located in Livonia. When the need arisies, face to face local service is priceless, not to mention it's very handy when you need to drop off that last minute payment before your policy expires.
Don’t think that online companies are always less expensive or more convenient. Before you let someone make that online purchase, please tell them to call Metro Agency where great advice, local service, a choice of companies and great rates are right in your own backyard.