6 Top Methods to Reduce Car Insurance Costs in Auburn

Shopping for the most affordable Auburn car insurance online is intimidating for people who are new to online price comaprisons. Since there are so many companies competing online, how can you even start to compare them all to find the cheapest available price?

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for before you get the savings. If they aren't giving you every credit you deserve, you are throwing money away.

  • Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with a substantially lower rate.
  • Paperless Signup - A handful of insurance companies will give a small break for buying your policy on their website.
  • Clubs and Organizations - Belonging to certain professional organizations may earn a discount when buying car insurance.
  • Multiple Cars - Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Accident Waiver - A few companies permit an accident before your rates go up so long as you haven't had any claims for a particular time prior to the accident.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

car insurance in Auburn

Is there truth in advertising?

Consumers get pounded daily by advertisements for car insurance savings by 21st Century, Allstate and State Farm. All the companies have a common claim about savings if you change to their company.

How do they all make the same claim?

All the different companies have a preferred profile for the driver that earns them a profit. For instance, a profitable customer could be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. Any new insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't measure up to the "perfect" profile must pay a higher premium and this can result in business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully state the savings.

This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

For more Michigan car insurance information

Additional information is located on the Michigan Office of Financial and Insurance Regulation website through this link. Consumers can discover disciplinary actions, get help finding coverage, and find out which companies have the most complaints.

Best coverage at the best price

Cheaper car insurance can be sourced from both online companies and also from your neighborhood Auburn agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Drivers leave their current company for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, questionable increases in premium and even lack of trust in their agent. Regardless of your reason, finding the right car insurance provider is less work than it seems.