Budd Insurance Agency, located in Coldwater, Michigan, has been servicing its customers since the early 1950s.  Our commitment is to provide customers with the best insurance value and service available, while maintaining the highest ethical standards and credibility.  We've aligned ourselves with some of the finest carriers to deliver these products to you.  We are licensed to serve customers in both Michigan and Indiana.

Why an Independent Agent?

     There is a difference in where you buy your protection.  Many people do not realize there are three sources for insurance:

1. Captive Agents, who can sell you the insurance of only one company.

2. Telephone Representatives, who can offer you the insurance of one company, only on the telephone.

3. Independent Insurance Agents, who represent a number of insurance companies, and research with these firms to find you the best combination of price, coverage, and service.

Your Independent Agent:

Is a licensed professional with strong customer and community ties.

Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.

Unlike other agents, is not beholden to any one company; thus you do not need to change agencies as your insurance and service needs change.

Assists you when you have a claim

Is your consultant working with you as you determine your needs.

Offers you a choice of insurance plans and programs.

Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage, and service.

Offers one-stop shopping for a full range of products-- home, renters, and auto needs.

Treats you like a person, not just another number.

There is a difference!


Fall Driving

Watch out for school busses and children, especially in the early morning and the afternoon.  Remember, you can't pass a school bus with its red lights flashing.  You must stop.  Watch for school zones and reduce speed limits.

Once leaves become wet they can become as slippery as ice!  Watch for patches of wet leaves in the roadway.  When nights get cold, leaves can turn to icy leaves.

With the autumn comes fog.  Keep your headlights on the low beam.  This aims the light at the road, the high beams aim up and into the fog.

Deer will be trying to avoid hunters and may cross roadways.  Two-thirds of car crashes occur in October, November, and December when deer movements are at their peak.

Daylight Savings mean the clocks are turned back one hour.  This may cause you to be drowsy while your body adjusts to the time change. 

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