Proven Ways to Save on Concord Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are a lot of people in Concord just like you who feel imprisoned by their auto insurance policy. Multiple compete for your hard-earned dollar, so it can be very hard to choose a to get the lowest rate

It's important to shop coverage around every six months since insurance rates are constantly changing. Despite the fact that you may have had the best price a few years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to one of the best ways to buy cheaper auto insurance.

If you have a current auto insurance policy or are shopping for new coverage, you can learn to find the best rates while maximizing coverage. Choosing the best insurance company for you in Concord is easy if you know what you're doing. Michigan vehicle owners just need to know the proper way to find the lowest price over the internet.

Don't pay full price with these discounts

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically when you quote, but less common discounts must be manually applied before you get the savings. If they aren't giving you every credit possible, you are throwing money away.

Discount for Good Grades - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
Multiple Vehicles - Having multiple vehicles on one policy qualifies for this discount.
Senior Discount - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Lower Rates for Military - Being deployed with a military unit may qualify for rate reductions.
Claim Free - Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
Driver Safety - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
Homeowners Discount - Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
Seat Belt Usage - Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
Federal Government Employee - Active or retired federal employment could cut as much as 10% off with certain companies.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will cut your premiums.

The auto insurance bait and switch

Michigan drivers get pounded daily by advertisements that promise big savings from the likes of State Farm and Allstate. All the ads have a common claim that you'll save big after switching your coverage to them.

How do they all say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For example, a preferred risk might be profiled as between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A propective insured that hits that "sweet spot" is entitled to the best price and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be charged a higher premium and this can result in business not being written. The ads state "drivers who switch" not "everyone that quotes" save that much money. That's the way companies can advertise the way they do.

That is why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Learn more about Michigan auto insurance

Much more information about auto insurance in Michigan can be found on the website for the Michigan Office of Financial and Insurance Regulation. Click here for link. Michigan drivers can file complaints about a company, report car insurance fraud, learn about insurance regulations, and find disaster information.

In the end, you save

Throughout this article, we presented a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the most savings is with a lesser-known regional company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as .

Budget-conscious auto insurance can be bought on the web as well as from independent agents in Concord, so you should compare both to have the best selection. Some auto insurance companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.