Essexville Auto Insurance For Less Than You're Paying Now

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of auto insurance companies all offering big savings in Essexville.

It's important to do rate comparisons occasionally because insurance rates are constantly changing. Even if you got the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out the only way to eliminate unnecessary coverages and save money.

How much can you save with discounts?

Companies do not advertise every available discount in a way that's easy to find, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving.

  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Multi-policy Discount - If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Defensive Driver - Taking a course in driver safety can save you 5% or more if you qualify.
  • Anti-theft System - Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Discount for New Cars - Buying coverage on a new vehicle is cheaper compared to insuring an older model.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

Essexville auto insurance quote

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions might point out if your insurance needs might need an agent's assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?
  • Who is covered when they drive my vehicle?
  • Do I have coverage when using my vehicle for my home business?

If you can't answer these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive constantly bombard you with television and radio advertisements. All the ads have a common claim about savings if you switch to them. How can each company make almost identical claims? It's all in the numbers.

Different companies have a certain "appetite" for the type of driver that earns them a profit. For example, a preferred risk could possibly be between the ages of 30 and 50, owns a home, and has great credit. A driver that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will be charged higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That is how companies can truthfully advertise the savings. That is why you should get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings.

Even more information can be found at the Michigan Office of Financial and Insurance Regulation website. Michigan consumers can find out industry alerts, read consumer alerts, and discover disciplinary actions.

Essexville auto insurance quote

The best insurance company isn't always the cheapest

As you prepare to switch companies, it's a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Drivers switch companies for a variety of reasons including policy cancellation, policy non-renewal, questionable increases in premium and even lack of trust in their agent. It doesn't matter what your reason, finding a new auto insurance company is less work than it seems.

Cheap auto insurance can be found online and with local Essexville insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.