Easy Techniques to Pay Less on Comstock Park Auto Insurance

Finding lower rates for Comstock Park auto insurance is hard for consumers new to comparison shopping online. You have so many companies to choose from that it can be a challenge to compare prices in Comstock Park.

It's important to take a look at other company's rates once or twice a year because prices are constantly changing. Despite the fact that you may have had the best rates a few years ago a different company probably has better rates today. There is a lot of bad information regarding auto insurance online but I'm going to show you some great ways to find cheap auto insurance.

Locating affordable protection in Comstock Park can be fairly easy. If you have a current auto insurance policy or need a new policy, you can learn to find better prices while maintaining coverages. Michigan consumers only need to know the tricks to find the lowest price over the internet.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but you can get discounts to cut the cost considerably. Some discounts apply automatically when you get a quote, but some may not be applied and must be manually applied before you will receive the discount. If you're not getting every credit available, you are throwing money away.

Senior Citizens - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
College Student - Any of your kids living away from home 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 over the internet.
Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Passive Restraints and Air Bags - Factory air bags may earn rate discounts of 20% or more.
Seat Belts Save more than Lives - Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down your premiums.

Comstock Park Rates are Influenced by These Factors

Smart consumers have a good feel for the rating factors that help determine the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

Men pay higher rates - The statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men cause accidents at a similar rate, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
Theft deterrents lower rates - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
Older drivers pay less - Youthful drivers in Michigan are known to be more careless in a vehicle so they pay higher auto insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
Discounts for married couples - Getting married can get you a discount on your auto insurance policy. It means you're more responsible it has been statistically shown that drivers who are married are more cautious.
More performance means more cost - The make and model of the vehicle you own makes a huge difference in your rates. The cheapest insurance rates are generally reserved for small economy passenger models, but there are many factors that impact the final cost.
Never allow your policy to lapse - Letting your insurance expire will be a guaranteed way to increase your auto insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with the Michigan motor vehicle department to get your license reinstated.
Your auto insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, executives and financial analysts tend to have higher average rates in part from high stress levels and lengthy work days. Conversely, jobs such as farmers, engineers and performers receive lower rates.

The auto insurance bait and switch

Consumers in Michigan get pounded daily by advertisements for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings after switching to their company.

How does each company claim to save you money? This is how they do it.

All companies can use profiling for the driver that earns them a profit. A good example of a desirable insured might be over the age of 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will save when switching.

Drivers who don't measure up to these standards will have to pay higher premiums which leads to the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. That's why companies can truthfully advertise the way they do.

Because of the profiling, drivers should compare many company's rates. It's impossible to know the company that will provide you with the cheapest rates.

Additional information can be read on the Michigan Office of Financial and Insurance Regulation website. Click here for link. Visitors are able to learn about insurance regulations, view a list of available companies, and read enforcement actions against agents and companies.

In the end, you save

When shopping online for auto insurance, never skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage for the lowest price.

Insureds change insurance companies for any number of reasons including denial of a claim, unfair underwriting practices, not issuing a premium refund and even an unsatisfactory settlement offer. Regardless of your reason, switching auto insurance companies is less work than it seems.

The cheapest auto insurance can be bought both online and also from your neighborhood Comstock Park agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.