There are 2 types of insurance agencies. The first type is known as a captive insurance agency. Allstate and State Farm are examples of captive insurance agencies. These types of agencies only represent 1 insurance company. A State Farm agent for example can only offer you insurance policies from State Farm. The other type of insurance agency is known as an independent insurance agency. The key benefit of working with an independent insurance agency is the fact that they represent multiple top-rated insurance carriers instead of just one. Given this fact they are in the best position to find you the best coverage for the lowest price. Independent agents have a lot more options and it allows them to impartially shop the competition for you.

As an independent insurance agency, Lifetime is in a great position to help both our current and future clientele. Our trained insurance agents are standing by ready to assist you with any questions you may have and to help find you as much savings as possible. What most consumers don't realize is that Michigan insurance rates vary from once insurance company to the next. The prices offered from different carriers can vary significantly. On a daily basis we are finding savings for our clients to the tune of hundreds and even thousands of dollars. Insurance is a guessing game and the insurance carriers are constantly trying to assess risk. In order for them to stay in business they obviously have to take in more in premiums than they pay out in claims. Each carrier uses their own statisticians to come up with a formula used to calculate risk unique to their company. This formula is different from one company to the next and it is ultimately used to calculate the rate you pay.

If it is your goal to find the highest level of coverage for the lowest rate you need to shop around. It is not enough to simply get a Michigan insurance quote from just one company. This won't give you a good view of what choices are accessible to you. You need to compare rates from at least 3-5 insurance companies before making a decision. This is where Lifetime Insurance Services comes in.

Our licensed agents will take the time to understand your unique needs and then they will go out and do the shopping for you. Once we complete this task we will call you back with your options. Lifetime Insurance Services will always be your agency and point of contact regardless of the company we set you up with. What are you waiting for? Call Lifetime Insurance Services today and let us go to work for you!

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Richard Nimoh

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