Car Insurance in East Leroy Michigan - 6 Tricks to Save Money

Finding affordable East Leroy car insurance on the internet may be intimidating for people who are new to comparison shopping online. Since there are so many online companies, how can you even start to compare them all to find the best available rates?

Shopping for affordable protection in East Leroy is easy if you know what you're doing. If you have a current car insurance policy or need a new policy, you can learn to shop for the lowest rates and still get good coverage. Michigan vehicle owners just need to know the tricks to compare rates over the internet.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Some discounts apply automatically when you quote, but less common discounts must be inquired about prior to getting the savings. If you're not getting every credit you deserve, you are throwing money away.

Government Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
Distant Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Multiple Policy Discount - If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
55 and Retired - If you qualify as a senior citizen, you may be able to get a discount up to 10%.

Consumers should know that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way. But all discounts will bring down the amount you have to pay.

Insurance agents can help

When it comes to buying the best car insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation may require specific advice.

Why am I required to get a high-risk car insurance policy?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
What are Michigan no-fault laws?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
Do I need PIP (personal injury protection) coverage in Michigan?
Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.

Save $429 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings from companies such as Progressive, Allstate and GEICO. They all say the same thing that you'll save big after switching your policy.

How does each company make the same claim?

All companies have a preferred profile for the right customer that earns them a profit. For instance, a driver they prefer could be over the age of 50, insures multiple vehicles, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be quoted a higher premium which usually ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can advertise the savings.

This emphasizes why drivers should compare many company's rates. It's just too difficult to predict which insurance companies will fit your personal profile best.

More sites with car insurance information

Much more information about car insurance in Michigan is located on the Michigan Office of Financial and Insurance Regulation website located here. Consumers can read industry bulletins, read enforcement actions against agents and companies, and view agent and company licensing information.

Best coverage at the best price

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, delays in paying claims and even policy non-renewal. No matter why you want to switch, choosing a new insurance company is less work than it seems.

When you buy insurance online, it's very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

Discount car insurance can be purchased from both online companies in addition to many East Leroy insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and these small, regional companies work with independent agents.