Tightwads Tips for Saving on Clarkston Auto Insurance

Overpriced auto insurance can overdraw your personal savings and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Drivers have multiple to buy insurance from, and even though it's nice to have a selection, it can be more challenging to compare rates.

compare Clarkston auto insurance rates

How to Buy Clarkston Auto Insurance Online

Most companies like State Farm, Allstate and GEICO allow you to get coverage prices on the web. Getting online quotes is pretty painless as you simply type in your coverage information into the quote form. When the form is submitted, their system will obtain reports for credit and driving violations and returns pricing information based on these and other factors. Being able to quote online helps simplify price comparisons, but the time it takes to visit each company's website and repetitively enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible in order to find a lower rate.

A quicker way to locate the lowest prices requires only one form that gets prices from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much more efficient. After sending the form, it is rated with multiple companies and you can pick any one of the quotes returned. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To quickly find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have coverage now, it's recommended you copy the insurance coverages as shown on your current policy. This ensures you will have comparison quotes for similar insurance coverage.

More discounts equal less premium

Companies do not list every discount very clearly, so we researched some of the best known and the more hidden savings tricks you should be using.

  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Senior Discount - Mature drivers may receive better auto insurance rates.
  • Safety Course Discount - Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Government Employees - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
  • Drivers Education - Have your child successfully complete driver's ed class if offered at their school.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it just doesn't work that way.

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

It's not one size fits all

When choosing the best auto insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine if you could use an agent's help.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I put collision coverage on all my vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Is rental equipment covered for theft or damage?
  • What happens if I owe more than my vehicle is worth?
  • Should I have combined single limit or split liability limits?

If you're not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

More sites with auto insurance information

Additional detailed information is located at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can view a list of available companies, learn about insurance regulations, discover disciplinary actions, and read industry bulletins.