Easy Ways to Save Money on Bridgman Auto Insurance

Finding affordable Bridgman auto insurance is nearly impossible for beginners to buying insurance online. Drivers have so many options that it can quickly become a big hassle to compare prices in Bridgman.

Finding the best rates in Bridgman is quite easy. If you have insurance now or are looking for a new policy, you can follow these tips to find better prices and possibly find even better coverage. Michigan drivers only need an understanding of the proper methods to buy auto insurance online.

Are you getting all your discounts?

Car insurance companies don't always advertise every discount very clearly, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you're not getting every credit available, you're paying more than you need to.

No Accidents - Claim-free drivers can save substantially when compared to bad drivers.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
Good Students Pay Less - A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
Life Insurance - Larger companies have a discount if you purchase life insurance from them.
Defensive Driver - Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
Distant Student - Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
Discount for New Cars - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
One Accident Forgiven - Certain companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.

Consumers should know that most discounts do not apply to the entire cost. Most only cut specific coverage prices like comp or med pay. So even though they make it sound like you could get a free auto insurance policy, companies don't profit that way.

To see a list of insurance companies offering auto insurance discounts in Michigan, click here to view.

How to Compare Auto Insurance Costs in Bridgman

Most companies like Progressive, Allstate and GEICO quote coverage prices directly from their websites. Getting online rates is pretty painless as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, the company's rating system will obtain your credit score and driving record and generates pricing information.

This helps simplify price comparisons, but the time it takes to visit multiple sites and complete many quote forms gets old quite quickly. But it's very important to compare as many rates as possible if you are searching for the best price on auto insurance.

There is an easier way!

The preferred way to find cheaper rates uses one simple form to obtain quotes from more than one company. The form is fast, reduces the work, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you can choose any one of the price quotes you receive. If you find a better price you simply finish the application and purchase the new policy. It takes 15 minutes at the most and may result in a nice savings.

To save time and find out if lower rates are available, click here to open in new window and input your coverage information. If you currently have coverage, we recommend that you enter identical to your current policy. This makes sure you're receiving a rate comparison based on the exact same insurance coverage.

Bridgman Rates are Influenced by These Factors

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for auto insurance. Knowing what determines base rates enables informed choices that will entitle you to better auto insurance rates.

Your occupation can affect rates - Did you know that where you work can have an impact on rates? Careers like lawyers, business owners and financial analysts tend to have higher average rates due to job stress and long work hours. Conversely, occupations such as farmers, engineers and homemakers receive lower rates.
Safe vehicles cost less to insure - Safer cars can get you lower premiums. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Traffic violations increase rates - A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation can boost insurance rates by twenty percent. Careful drivers get better rates than bad drivers. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state DMV in order to continue driving.
Where do you drive? - The more miles you rack up on your car every year the higher your rate. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your auto insurance policy shows how each vehicle is driven.
Extra coverages can waste money - There are many extra bells and whistles that can waste your money on your auto insurance policy. Coverages for rental car reimbursement, accident forgiveness and term life insurance may be costing you every month. They may seem good initially, but if they're wasting money eliminate them to save money.
Mature drivers pay less - Teen drivers in Michigan are statistically proven to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
Are you male or female? - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Men and women are in accidents in similar percentages, but the men cause more damage. Men also statistically receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive auto insurance rates.

How can Progressive, Allstate and GEICO save drivers who switch?

Michigan consumers can't get away from ads for the lowest price auto insurance by Progressive, Allstate and GEICO. They all make an identical promise of big savings if you switch to their company.

How does each company make almost identical claims? It's all in the numbers.

Different companies can use profiling for the driver that is profitable for them. For example, a driver they prefer could possibly be between 30 and 50, has no tickets, and drives newer vehicles. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "everybody who quotes" save that much. That's why insurance companies can confidently claim big savings. This emphasizes why drivers must get as many comparisons as possible. It is impossible to predict the company that will give you the biggest savings.

A tidy conclusion

People switch companies for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, high prices or delays in paying claims. Regardless of your reason for switching companies, finding a new auto insurance company is actually quite simple.

In this article, we presented many tips how you can compare auto insurance prices online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even find the best prices are with some of the smallest insurance companies.

Cost effective auto insurance is available online and also from your neighborhood Bridgman agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

More tips and info about auto insurance can be found at the Michigan Office of Financial and Insurance Regulation website. Michigan consumers can read industry bulletins, find disaster information, and file complaints about a company.

Additional helpful sites include this online resource for auto insurance quotes in Michigan and this list of insurance agents in Bridgman.