Ray Garibay Insurance

Tips for Finding an Agent

• Ask friends and family for referrals
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive insurance agents cannot quote more than one company
• Check to see how long the agent has been in business

Insurance Buying Tip

At your next auto insurance renewal, talk to your agent about increasing your comprehensive and collision deductibles to save money Auto insurance is more affordable when you agree to pay a little more before insurance kicks in at claim time. Call Ray Garibay Insurance at (989) 799-8844 or talk to them in Saginaw for more information.

Frequently Asked Questions

• How can I find an agent in Saginaw?
• If I file a claim will my rates go up?
• Who has the cheapest car insurance in Michigan?
• Should I carry full coverage?
• Why are premiums so high after a bankruptcy?