Tightwads Tips for Saving on Cedarville Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other Michigan drivers.

Drivers have so many to buy insurance from, and although it's a good thing to have a selection, too many choices makes it more difficult to compare rates.

Don't pay full price with these discounts

Companies don't always publicize all available discounts very clearly, so the following is a list of both the well known as well as the least known savings tricks you should be using.

  • Memberships - Being a member of a qualifying organization is a good way to get lower rates when buying auto insurance.
  • Drivers Education - Have your child enroll in driver's education if offered at their school.
  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Paperless Signup - A few companies may give you up to $50 just for signing your application over the internet.
  • Claim Free - Claim-free drivers pay less when compared with bad drivers.

Keep in mind that most discounts do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn't work that way.

To see a list of insurers with discount auto insurance rates in Michigan, click here to view.

Fast and Easy Cedarville Auto Insurance Quotes

There are multiple methods you can shop for auto insurance but there is one way that is easier and takes less work. You can waste a lot of time talking about coverages with insurance companies in Cedarville, or you could save time and use online quotes to achieve your goal.

Many insurance companies belong to a marketplace that enables customers to submit one quote, and each company returns a rated price for coverage. This saves time by eliminating quote requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you cannot specify which carriers you want pricing from. So if you want to select from a list of companies to compare rates, we have assembled a list of auto insurance companies in Michigan. Click here to view list.

It's your choice how you get your quotes, but double check that you are using identical coverage limits on every quote you get. If you use differing limits it will be impossible to determine which rate is truly the best in Cedarville. Quoting even small variations in limits can result in a big premium difference. It's important to know that comparing a large number of companies helps locate better pricing.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are some of the items used by your company to calculate premiums.

  • Do you have enough liability coverage? - Your policy's liability coverage will protect you if you are found liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Special features that cut premiums - Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
  • Extra add-on coverages are wasting money - There are quite a few extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverages for personal injury protection, accidental death and additional equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate them to save money.
  • Pay less after the wedding - Getting married helps lower the price on your policy. Having a spouse translates into being more mature and it's proven that drivers who are married are more cautious.
  • Your stress level may be raising your rates - Occupations such as real estate brokers, business owners and financial analysts have higher average rates because of high stress and long work days. Conversely, jobs such as farmers, engineers and retirees get better rates.
  • Men are more aggressive - The statistics show that women are safer drivers than men. Now that doesn't mean women are BETTER drivers than men. Both sexes cause accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like DUI and reckless driving.
  • Keep rates low by being claim-free - If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies in Michigan award lower rates to drivers who do not file claims often. Your insurance policy is intended for major claims that would cause financial hardship.

The auto insurance bait and switch

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies make an identical promise that you can save if you change your coverage to them. How does each company claim to save you money?

Insurance companies can use profiling for the type of customer that is profitable for them. A good example of a profitable customer might be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save when switching.

Potential customers who don't measure up to these standards must pay a higher premium and ends up with the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save that much money. That's why insurance companies can advertise the way they do. This illustrates why drivers must compare many company's rates. It's impossible to know the company that will provide you with the cheapest rates.

Shop smart and save

Affordable auto insurance is attainable both online as well as from independent agents in Cedarville, so you should compare both to have the best rate selection. Some auto insurance companies don't offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We covered many tips how you can compare auto insurance prices online. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small local company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as .

compare Cedarville auto insurance rates

More Michigan auto insurance information

Additional detailed information can be read at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to find out which companies have the most complaints, view a list of available companies, discover disciplinary actions, and get help finding coverage.