Compare Clare Car Insurance Prices With These Tips

Are you intimidated by the dozens of car insurance companies in Clare? Lot's of other consumers are too. Drivers have so many companies to choose from that it can turn into a big hassle to locate the lowest price.

It's important to check car insurance prices every six months due to the fact that insurance rates are constantly changing. Even if you got the lowest price on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the tricks you need to know to get good coverage at a lower rate.

If you have a current car insurance policy or need new coverage, you can follow these tips to get lower rates while maintaining coverages. Shopping for affordable protection in Clare is easy if you know what you're doing. Michigan consumers only need to know the most effective way to shop their coverage around over the internet.

More discounts equal less premium

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but less common discounts must be inquired about prior to getting the savings. If they aren't giving you every credit possible, you're paying more than you need to.

Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
Multiple Vehicles - Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
College Student - Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Sign Online - Certain companies may give you up to $50 for buying your policy on their website.
Senior Citizens - Mature drivers may be able to get reduced rates.
Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you won't be that lucky. Any amount of discount will cut your premiums.

To see a list of companies who offer car insurance discounts in Clare, follow this link.

How to Compare Car Insurance Quotes in Clare, Michigan

Most companies such as GEICO, State Farm and Progressive provide prices for coverage online. Obtaining pricing is fairly straightforward as you just type in the coverages you want into the quote form. Once you submit the form, the system will obtain credit information and your driving record and returns a price quote.

Quoting online makes comparing rates easy, but the time required to go to many different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

The preferred way to lower your rates makes use of a single form that obtains quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable. After sending your information, it gets priced and you can select any of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

In order to find out how much you're overpaying now, click here and complete the simple form. If you have coverage now, it's recommended you replicate the limits and deductibles as close as possible to your current policy. This makes sure you will have a fair comparison based on the exact same insurance coverage.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with lower car insurance prices.

Pleasure use saves money - Driving more miles in a year the more you will pay for car insurance. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and burglary. Your deductibles are how much you are required to spend before a claim is paid by your company. The more you're willing to pay, the less your car insurance will be.
Mature drivers pay less - Older insureds are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be more careless when behind the wheel therefore car insurance rates are much higher.
Your spouse saves you money - Having a wife or husband can get you a discount when buying car insurance. It is viewed as being more responsible and it's proven that being married results in fewer claims.
Don't skimp on liability - Liability coverage provides coverage if ever you are found liable for damages from an accident. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
Do men or women drive better? - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Women and men cause accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive car insurance rates.

Switch companies and save? Really?

Consumers in Michigan can't get away from ads that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to say the same thing about savings after switching to them.

How do they all claim to save you money?

All companies are able to cherry pick for the type of driver that is profitable for them. For instance, a desirable insured might be a mature driver, has no driving citations, and has great credit. Any driver who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save money. That's the way companies can truthfully advertise the savings.

Because of the profiling, drivers must get quotes from several different companies. You cannot predict which car insurance company will fit your personal profile best.

A tidy conclusion

When you buy insurance online, never reduce coverage to reduce premium. In many instances, someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at a price you can afford.

The cheapest car insurance can be purchased both online and with local Clare insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We just presented a lot of tips how to compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with a small local company.

Additional information is located on the Michigan Office of Financial and Insurance Regulation website located here. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, and read enforcement actions against agents and companies.