How to Find Low-Cost Cass City Auto Insurance

Comparison shopping for Cass City auto insurance is nearly impossible for beginners to comparing rates online. Consumers have so many options that it can be a big hassle to compare prices in Cass City.

It's important to compare rates before your policy renews because prices are constantly changing. Just because you had the lowest price two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to learn the proper way to properly buy coverages while reducing your premium.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply when you purchase, but less common discounts must be specially asked for before being credited. If you don't get every credit available, you're paying more than you need to.

  • Save over 55 - Mature drivers may qualify for better auto insurance rates.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
  • Early Signing - Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.

It's important to note that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck. But any discount will help reduce the amount you have to pay.

To see a list of companies offering auto insurance discounts in Michigan, follow this link.

Cass City auto insurance comparison

Cheap Cass City Auto Insurance Comparisons

Finding cheaper auto insurance prices can be relatively painless. Consumers just need to take the time to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  • The best way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method keeps you from doing multiple quote forms for each company. In just a few minutes this one form will return quotes from multiple low-cost companies. This is by far the quickest method.
  • A more difficult way to shop for auto insurance online is to take the time to go to each company's website and fill out their own quote form. For instance, let's say you want rates from , and . You would have to go to every website and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in Cass City, click here.

It doesn't matter which method you choose, just ensure you're using apples-to-apples coverages and limits for each comparison quote. If you are comparing different deductibles you can't possibly determine the lowest rate in Cass City.

You have some control over your rates

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with better auto insurance rates.

  • Are you male or female? - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Men and women have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Young males are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • You might want pay the small claims yourself - Car insurance companies in Michigan provide discounts to drivers who are claim-free. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for major claims that would cause financial hardship.
  • Careful drivers pay lower rates - Your driving citation history has a big impact on rates. Just one citation can boost insurance rates by as much as thirty percent. Careful drivers get better rates than bad drivers. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Multi-policy discounts can save money - Most companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's still a good idea to compare rates to ensure the best deal. You may still be able to find better rates by splitting coverages up.
  • Bump up deductibles to save - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be collision with another vehicle, collision with an animal, or theft. Your deductibles are how much you are willing to pay in the event of a claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Rural vs Urban Areas - Being located in a small town can be a good thing when insuring your vehicles. City drivers have much more traffic and longer commute times. Fewer people translates into fewer accidents as well as less vandalism and auto theft.
  • How credit affects auto insurance rates - Credit score is a big factor in your rate calculation. If your credit history is lower than you'd like, you could pay less to insure your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.
  • Please use or commuting - The more miles you rack up on your car every year the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Vehicles that are left in the garage receive lower rates compared to those used for work or business. Verify your auto insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.

Save $429 a year? Really?

Michigan consumers can't get away from ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you can save if you switch to their company.

But how can every 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 instance, a desirable insured could possibly be between 30 and 50, is a homeowner, and chooses high deductibles. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can state the savings.

Because of the profiling, drivers must compare as many rates as you can. It's impossible to know the company that will give you the biggest savings.

And the best car insurance company is...

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price.

Consumers switch companies for a variety of reasons including denial of a claim, extreme rates for teen drivers, high prices or policy cancellation. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

You just read a lot of tips how to compare auto insurance prices online. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. Drivers may discover the best prices are with a small mutual company.

More information is located on the Michigan Office of Financial and Insurance Regulation website found here. Michigan consumers can learn about insurance regulations, download brochures, and file complaints about a company.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Cass City.