Top 7 Ways to Save Money on Car Insurance in Caseville

Paying for high-priced car insurance can overdraw your savings account and force you to make sacrifices. Comparison shopping is free and is an excellent way to help make ends meet.

With consumers having so many car insurance companies to choose from, it's nearly impossible to locate the lowest price provider.

It's important to compare rates yearly since rates are constantly changing. Even if you think you had the best price a year ago you will most likely find a better rate today. Block out anything you think you know about car insurance because you're about to learn how to quote online to lower your rates without sacrificing coverage.

Be sure to get all your discounts

Companies that sell car insurance don't necessarily list all their discounts very well, so we took the time to find some of the more common as well as the least known ways to save on car insurance.

  • Accident Waiver - Some insurance companies will forgive one accident before your rates go up as long as you don't have any claims for a set time period.
  • Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance.
  • Safety Course Discount - Successfully completing a driver safety course could cut 5% off your bill if you qualify.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • New Car Discount - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Clubs and Organizations - Belonging to a professional or civic organization could trigger savings on car insurance.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover whether or not you might need an agent's assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my vehicle is worth?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Am I getting all the discounts available?
  • What can I do if my company won't pay a claim?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Is there truth in advertising?

Car insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to make the same claim about savings if you change to their company. But how can every company make the same claim?

Insurance companies have a preferred profile for the driver that earns them a profit. For example, a desirable insured could be between the ages of 30 and 50, has no prior claims, and has excellent credit. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay a higher premium which leads to business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. This is how companies can truthfully make those claims. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

Learn more about car insurance in Michigan

Even more information can be found at the Michigan Office of Financial and Insurance Regulation website. Consumers can get help finding coverage, file complaints about an insurance agent or broker, discover disciplinary actions, and find out industry alerts.

Also read more on this site for Michigan car insurance information and see this list of insurance agents in Caseville.

Michigan car insurance quotes

Shop smart and save

Cheaper car insurance is attainable from both online companies and also from your neighborhood Caseville agents, and you should compare price quotes from both to have the best selection. Some companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

While you're price shopping online, do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage only to discover later they didn't purchase enough coverage. Your aim should be to get the best coverage possible at a price you can afford.