Proven Ways to Save on Fruitport Auto Insurance

Nobody I know likes having to buy auto insurance, in particular when they are paying too much.

With consumers having so many choices of insurance companies, it is hard for the average consumer to pick the best provider.

It's important to check auto insurance prices periodically because prices are constantly changing. Even if you got the best rates six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, so we're going to give you some great ways to find affordable auto insurance.

Fruitport auto insurance quote

How to Get Fruitport Auto Insurance Comparison Quotes

Most companies provide prices for coverage online. This process is fairly straightforward as you simply enter your personal and coverage information as detailed in the form. When the form is submitted, the company's rating system will obtain information on your driving record and credit history and generates a price determined by many factors. This makes comparing rates easy, but the time required to go to a lot of sites and fill out multiple forms gets old quite quickly. But it's very important to do this if you want to find better auto insurance pricing.

Quote rates the easy way

A quicker way to compare rates uses one form to return rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online price comparison much simpler. Once the form is submitted, it gets priced and you can choose any or none of the quotes returned.

If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate the limits and deductibles as close as possible to your current policy. This ensures you're receiving a fair comparison for similar insurance coverage.

These discounts can lower your rates

Car insurance is not cheap, but there are discounts available that many people don't even know exist. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be requested specifically before you will receive the discount.

  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Early Signing - Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • Multi-car Discount - Buying coverage for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Accident Forgiveness - Some insurance companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

To see a list of providers offering auto insurance discounts in Michigan, click this link.

Different people need different coverages

When choosing coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help highlight whether you might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • When do I need to add a new car to my policy?
  • Why am I required to buy high-risk coverage?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Additional information can be read on the website for the Michigan Office of Financial and Insurance Regulation located here. Michigan consumers can find out industry alerts, file complaints about a company, read consumer alerts, and find out which companies have the most complaints.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Fruitport insurance agents.