Ray Garibay Insurance
5645 State St
Saginaw, MI 48603-3691
Phone: (989) 799-8844
Ray Garibay Insurance is dedicated to protecting Saginaw families with at a price you can afford with professional service. Visit their office at 5645 State St or call (989) 799-8844 for risk-free insurance quotes. Serving Saginaw and the greater Saginaw county area.
Searching for insurance agents in Saginaw, Michigan or just trying to save money on insurance? Here are some tips to keep in mind.
- Ray Garibay Insurance may be able help you with your insurance needs in Saginaw. Professional agents are trained to find deficiencies in insurance coverages and protect your assets against loss.
- Your Saginaw auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Saginaw home insurance rates can be reduced by taking a look at your property loss deductible. If you currently have a $250 or $500 deductible on your Saginaw policy, you can raise your deductible to $1,000 or more and save significantly on your annual rates.
- Some Michigan insurance companies may give you a discount if you drive less miles in a year. So if you live close to work in Saginaw and can walk or use public transportation rather than driving your car, you might save up to 10% off your annual premium.