Farwell Auto Insurance For Less Than You're Paying Now

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies all offering big savings in Farwell.

Save big with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. Some discounts apply automatically at the time of purchase, but some must be inquired about prior to receiving the credit. If you don't get every credit you qualify for, you are throwing money away.

  • Safety Course Discount - Taking a defensive driving course can save you 5% or more if you qualify.
  • Air Bag Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Good Student - Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.
  • Homeowners Savings - Owning a home in Farwell may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Save with a New Car - Insuring a new car is cheaper compared to insuring an older model.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, it just doesn't work that way. But any discount will help reduce your overall premium however.

auto insurance in Farwell

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in better auto insurance rates.

  • Don't buy coverages you don't need - There are quite a few additional coverages that you can get tricked into buying when buying auto insurance. Things like roadside assistance, accidental death and additional equipment coverage are examples of these. These coverages may sound good at first, but now you might not need them so remove them from your policy.
  • Cautious drivers pay less - Drivers who don't get tickets receive lower rates than their less careful counterparts. Just one speeding ticket can bump up the cost twenty percent or more. Drivers with dangerous tickets such as DUI or reckless driving are required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Marriage pays dividends - Being married helps lower the price when buying auto insurance. Having a spouse translates into being more mature and it's statistically proven that married couples file fewer claims.
  • The more you drive the more you pay - The higher the mileage driven each year the more you'll pay to insure your vehicle. Almost all companies charge to insure your cars based on their usage. Vehicles that are left in the garage can get a lower rate than those used for commuting. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's needs are different.

These are some specific questions may help highlight if your situation may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need to file an SR-22 for a DUI in Michigan?
  • When do I need to add a new car to my policy?
  • Should I buy only the required Michigan minimum liability coverage?
  • Can I still get insurance after a DUI?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Auto insurance ads bend the truth

Consumers in Michigan get pounded daily by advertisements for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the companies say the same thing that you can save if you change your coverage to them.

But how can every company claim to save you money?

Different companies have a certain "appetite" for the type of customer that earns them a profit. An example of a profitable customer might be over the age of 50, a clean driving record, and has great credit. A customer getting a price quote who fits that profile will get very good rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile must pay higher prices which usually ends up with the customer not buying. The ads say "people who switch" not "people who quote" save that much money. That is how insurance companies can advertise the savings.

This illustrates why drivers should get quotes from several different companies. It's impossible to know which company will fit your personal profile best.

More information is available on the Michigan Office of Financial and Insurance Regulation website through this link. Visitors are able to discover disciplinary actions, file complaints about a company, and get help finding coverage.

Also read more on this resource for Michigan auto insurance prices and this link which helps you find a Farwell agent.

Michigan auto insurance

In the end, you save

Affordable auto insurance is attainable both online as well as from independent agents in Farwell, and you should be comparing both so you have a total pricing picture. There are still a few companies who don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

We covered many ways to reduce auto insurance prices online. It's most important to understand that the more companies you get rates for, the better chance you'll have of finding lower rates. You may be surprised to find that the biggest savings come from an unexpected company.

When you buy insurance online, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.