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Creative Insurance Services
United States - Flint
Creative Insurance Services - Insurance isnt one-size-fits-all. Thats why we only work with dedicated independent agents who provide personal service just for you.
Erika Limban
Creative Insurance Services
5119 W. Bristol Rd. Suite B
Flint, MI 48507
Phone: (810)309-2134
Fax: (810)309-2137

What insurance quotes are too high for your industry?

There are many factors that affect your car insurance rates, including your age, gender, where you live, your credit and driving history and the type of car you drive, among others. In addition, the types of car insurance you buy and car insurance discounts you qualify for also influence how much you pay.

How can people avoid paying too much insurance and be covered?

Either most of us love our auto insurance, or were just too lazy to shop for new coverage. Unfortunately our complacency could be costing us money. Quoting is free. It doesnt hurt to shop around and wont effect your current insurance policy. We will help you with your coverages and make sure you are aware of what you are paying for and answer any questions.

What mistakes do people make when getting insurance?

Setting low deductibles, With low auto and homeowners insurance deductibles, you often pay more in premiums than you can recover in claims. Low deductibles also encourage you to make small claims, which could cost you a claims-free discount.
Failing to ask for discounts, You wont get credit for some discounts unless you let your agent knows that you qualify.
The agent that offered you the lowest rate a few years ago may no longer have the best deal. Get price quotes from several insurers whenever you experience a major life change.
Its a good idea to shop around every few years, but switching insurers just to save a few dollars can backfire if the new company hassles you on claims.
Do not insure you home for market value, The market value and the insurance value are not the same. You need enough insurance to pay to rebuild your home if it is destroyed. But youll still have the value of the land, which is part of the market value.

What type of insurance are you offering?

We offer home & Auto Insurance, Workers compensation & all commercial Insurance needs. We also offer bonds.
While insurance is expensive and certainly takes a chunk out of your budget, being without it could lead to financial ruin. Schedule times with our agents we offer coverages in multiple areas and we may have some discounts available if you purchase more than one type of coverage.

What are the costs and fees are involved?

There are no costs or fees for the initial quote. & You are under no obligation to purchase. Down payment and monthly premium is required if you decide to purchase any quotes. We offer Monthly EFT at no charge. and will also bill your mortgage company directly with no down payment required.

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Business Owner's Profile
Erika Limban
Hello, I am a wife and a mother of 2 beautiful souls. I am a licensed personal and commercial insurance agent. I look forward to working with you and any of your insurance needs.

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