Hughes & Havinga Employee

Tips for Finding an Agent

• Check for advanced agent licenses like CLU or ChFC
• If the agent is too busy to sit down with you, find a different agent
• Independent agents generally work with more companies than captive agents
• Captive agents only work for one company
• Check to see how long the agent has been in business

Insurance Buying Tip

Consider packaging your home and auto coverage together for additional discounts. The majority of insurance companies in Alpena provide major savings when you combine your policies with the same company. Call Hughes & Havinga Employee at (989) 379-7016 or go to their location in Alpena for more information.

Frequently Asked Questions

• How can I find an agent in Alpena?
• Why do I need liability insurance?
• What are minimum liability requirements in Michigan?
• What should my deductibles be?
• Why are premiums so high after a bankruptcy?