Top Ways to Save on Breckenridge Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, you're not alone.

Big companies like GEICO and Progressive all promote huge savings with advertising and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to price shop coverage every six months since insurance rates are constantly changing. Just because you found the best rates on your last policy you can probably find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance online but I'm going to show you some great ways to find affordable auto insurance.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Buying car insurance in Breckenridge is quite easy. Nevertheless, Michigan vehicle owners do need to know how big insurance companies sell online.

How to Compare Auto Insurance Quotes in Breckenridge, Michigan

There are several ways to compare rate quotes from auto insurance companies in your area. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

The recommended way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quote forms to each individual auto insurance company. Filling out one form gets you price quotes from many national carriers.
A harder way to compare rate quotes requires a trip to the website for each individual company and fill out their own quote form. For example, we'll assume you want to compare rates from , and . To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker.

To view a list of companies in Breckenridge, click here.

Whichever way you use, ensure you are comparing exactly the same quote information for each comparison quote. If you compare mixed coverages you can't possibly determine the lowest rate in Breckenridge. Just a small difference in coverage limits may result in large price differences. Just remember that comparing more company's prices will improve the odds of getting a better price.

Take advantage of discounts

Companies don't always list all their discounts in a way that's easy to find, so the following is a list of some of the best known and also the lesser-known auto insurance savings.

Discount for Life Insurance - Larger companies have better rates if you take out auto and life insurance together.
Memberships - Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
Use Seat Belts - Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
Drivers Ed for Students - Have your child complete a driver education course if offered at their school.
No Claims - Drivers with accident-free driving histories pay less as compared to bad drivers.
No Charge for an Accident - A handful of insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Bundle and Save - When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.

It's important to understand that most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it doesn't quite work that way.

To see a list of companies with discount auto insurance rates in Breckenridge, follow this link.

Learn more about Michigan auto insurance

More tips and info about auto insurance can be read at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can file complaints about an insurance agent or broker, find out which companies have the most complaints, find a variety of consumer forms, and download brochures.