Buy Cheaper Belding Auto Insurance

Paying for high-priced auto insurance can drain your bank account and put the squeeze on your family's finances. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income.

Lots of contend for your hard-earned dollar, and because of this it can be hard to compare and get the definite lowest price

Save big with these discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not know about. Certain discounts will be applied at the time of purchase, but some must be manually applied prior to receiving the credit.

  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Paperless Signup - A few companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Clubs and Organizations - Participating in certain professional organizations could trigger savings when buying auto insurance.
  • Multiple Cars - Insuring all your vehicles on one policy qualifies for this discount.
  • Seat Belts Save more than Lives - Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Save over 55 - If you qualify as a senior citizen, you may receive reduced rates.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will cut your overall premium however.

auto insurance in Belding

Why some people pay less for insurance in Belding

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are some of the factors companies use to determine premiums.

  • Don't buy coverages you don't need - There are quite a few add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages like roadside assistance, accidental death and motor club memberships may be wasting your money. These may sound like a good investment when talking to your agent, but if you don't need them get rid of them and save.
  • Being married can save on auto insurance - Being married helps lower the price on your auto insurance policy. Having a spouse is viewed as being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Liability coverage is cheap - Your policy's liability coverage is the protection if a court rules you are at fault for damages from an accident. It will provide legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • High deductibles save money - Physical damage deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The more money you're willing to pay, the bigger discount you will receive.
  • Choose a safe vehicle and save - Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and lower rates for you.
  • A lapse in coverage is a bad thing - Driving with no insurance is a misdemeanor and your next policy will cost more because you let your coverage lapse. Not only will you pay more, getting caught without coverage may earn you a hefty fine and possibly a revoked license.

Auto insurance ads bend the truth

21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies make the same claim about savings if you change to them. How do they all make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the type of driver that earns them a profit. An example of a profitable customer could possibly be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile must pay higher prices which leads to the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "people who quote" save money. This is how companies can truthfully advertise the way they do.

This illustrates why drivers should get as many comparisons as possible. It's impossible to know which insurance companies will provide you with the cheapest rates.

For more Michigan auto insurance information

Additional information is available on the website for the Michigan Office of Financial and Insurance Regulation. Click here for link. Michigan consumers can discover disciplinary actions, get help finding coverage, find out which companies have the most complaints, and report car insurance fraud.

Do the work, save more money

Cheaper auto insurance can be sourced online and with local Belding insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When shopping online for auto insurance, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.