Big Rapids Auto Insurance For Less Than You're Paying Now

Shopping online for Big Rapids auto insurance is challenging if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how.

It's important to price shop coverage periodically since insurance rates are constantly changing. Just because you had the best rates last year a different company probably has better rates today. There is too much inaccurate information about auto insurance online, so we're going to give you some great ways to find cheap auto insurance.

Locating affordable coverage in Big Rapids can be fairly easy. If you have insurance now or need a new policy, you can learn to shop for the lowest rates while maximizing coverage. Michigan vehicle owners just need to know the tricks to shop for auto insurance online.

These discounts can lower your rates

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at quote time, but some may not be applied and must be asked for in order for you to get them. If you're not getting every credit you qualify for, you are throwing money away.

  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Early Signing - Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Good Student - Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Senior Discount - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
  • No Claims - Good drivers with no accidents pay less compared to drivers who are more careless.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • New Vehicle Savings - Adding a new car to your policy is cheaper compared to insuring an older model.
  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with certain companies.
  • Passive Restraints - Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.

Drivers should understand that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

Big Rapids auto insurance quote

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for some of the elements that go into determining auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that can help you get better auto insurance rates.

  • Better credit scores mean better rates - Your credit score is a big factor in determining your rates. If your credit is lower than you'd like, you could potentially save money when insuring your by spending a little time repairing your credit. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit.
  • High performance equals high price - The type of car you drive makes a significant difference in how high your rates are. The lowest base rates tend to be for economy passenger vehicles, but other factors influence the final cost greatly.
  • A clean driving record saves money - Even a single ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates than bad drivers. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Are you male or female? - Statistics show that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Men and women are in accidents at a similar rate, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.

Different people need different coverages

When it comes to buying coverage for your vehicles, there isn't really a single plan that fits everyone. Every situation is different.

For instance, these questions may help highlight whether you may require specific advice.

  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Michigan?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and you can get the answers you need.

Are you falling for claims of savings?

Michigan drivers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate and Progressive. All the ads say the same thing that you'll save big if you switch your policy.

How does each company say the same thing? It's all in the numbers.

Different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a preferred risk might be profiled as over the age of 50, a clean driving record, and drives newer vehicles. A propective insured who fits that profile gets the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will be charged more money which usually ends up with business not being written. Company advertisements say "customers who switch" not "everybody who quotes" save that kind of money. That is how companies can claim big savings.

That is why drivers should get a wide range of price quotes. It's not possible to predict which company will give you the biggest savings.

Much more information about auto insurance in Michigan can be read on the Michigan Office of Financial and Insurance Regulation website found here. Michigan drivers can find out industry alerts, learn about specific coverages, and file complaints about a company.

Michigan auto insurance

And the best car insurance company is...

When trying to cut insurance costs, it's very important that you do not skimp on coverage in order to save money. Too many times, someone dropped full coverage and found out when filing a claim that it was a big mistake. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Throughout this article, we presented a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Consumers switch companies for a variety of reasons including policy cancellation, high prices, poor customer service and even denial of a claim. Regardless of your reason for switching companies, finding a new auto insurance company is less work than it seems.