Easy Tips to Spend Less on Waterford Car Insurance
Finding affordable Waterford car insurance is a challenge for people who are new to comparison shopping online. Drivers have so many options that it can quickly become a real challenge to compare prices in Waterford.
Are you getting all your discounts?
Companies offering auto insurance don't necessarily list every discount very clearly, so the following is a list of some of the more common and the more hidden car insurance savings.
- Drivers Education - Require your teen driver to successfully complete driver's ed class in school.
- Service Members Pay Less - Having a deployed family member could mean lower rates.
- Good Students Pay Less - Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
- One Accident Forgiven - Certain companies permit an accident without raising rates if your claims history is clear for a set time period.
- Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
- Distant Student - Children living away from home attending college and do not have a car can be insured at a reduced rate.
A little note about advertised discounts, most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, you won't be that lucky.
For a list of insurance companies offering car insurance discounts in Michigan, follow this link.
Fast and Easy Waterford Car Insurance Quotes
Most major insurance companies like State Farm, Allstate and GEICO provide coverage prices on their websites. Getting quotes is pretty painless as you simply type in the amount of coverage you want as detailed in the form. Once entered, their rating system will obtain your credit score and driving record and generates pricing information based on these factors.
Quoting online helps simplify price comparisons, but the time it takes to visit each company's website and repetitively complete many quote forms gets old quite quickly. But it's very important to perform this step if you want to find the best price on car insurance.
Quote rates the easy way
A more efficient way to find cheaper rates is to use a quote form that gets prices from more than one company. The form is fast, reduces the work, and makes online price comparison much more enjoyable and efficient. After sending your information, it gets priced and you can choose any one of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.
To find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you type in deductibles and limits as close as possible to your current policy. This helps ensure you're receiving comparison quotes based on identical coverages.
Final considerations
Consumers switch companies for many reasons like extreme rates for teen drivers, unfair underwriting practices, poor customer service and denial of a claim. Regardless of your reason for switching companies, finding the right car insurance provider is not as hard as you think.
You just learned a lot of information how to get a better price on car insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best prices are with a company that doesn't do a lot of advertising.
As you prepare to switch companies, never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
