How to Find Low-Cost Genesee Auto Insurance

Are you intimidated by the crazy number of auto insurance company choices in Genesee? Lot's of other consumers are too. Drivers have so many choices that it can turn into more work than you anticipated to find the lowest price.

It's important to get comparison quotes every six months because prices are constantly changing. If you had the best price last year the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you're about to learn one of the easiest ways to buy cheaper auto insurance.

Finding the best rates in Genesee is not that difficult. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Michigan consumers only need to know the most efficient way to shop for auto insurance online.

These discounts can lower your rates

Companies that sell car insurance don't always publicize all their discounts very well, so we took the time to find both the well known and the harder-to-find auto insurance savings. If you don't get every credit possible, you're paying more than you need to.

  • Sign Online - Some insurance companies may give you up to $50 for buying your policy online.
  • Memberships - Being a member of a professional or civic organization could qualify you for a break on auto insurance.
  • Military Discounts - Having a deployed family member can result in better rates.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Discount - Owning a house in Genesee may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, you won't be that lucky.

To see a list of companies with the best auto insurance discounts in Michigan, follow this link.

How to Compare Auto Insurance Quotes in Genesee, Michigan

Most companies provide insurance quotes directly from their websites. This process doesn't take much effort as you just type in the coverages you want as detailed in the form. Once you submit the form, the system will obtain your driving and credit reports and returns a price quote.

This makes it a lot easier to compare rates but the time required to go to several different sites and complete many quote forms is repetitive and time-consuming. But it's very important to do this if you want to find better auto insurance pricing.

The preferred way to lower your rates uses one form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much more enjoyable. Immediately after submitting the form, it gets priced and you are able to buy any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process takes 15 minutes at the most 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 currently have coverage, we recommend that you enter deductibles and limits as close as possible to your current policy. This makes sure you will receive rate comparison quotes based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with better auto insurance rates.

The list below includes a few of the "ingredients" that factor into rates.

  • Marriage brings a discount - Having a spouse actually saves money when buying auto insurance. It usually means you are more responsible it has been statistically shown that being married results in fewer claims.
  • Don't skimp on liability - The liability section of your policy provides coverage if ever you are found liable for damages caused by your negligence. Liability provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Equipment add-ons that lower auto insurance rates - Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Multiple policies with one company can save - The majority of companies will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to confirm you are receiving the best rates possible. Consumers may find a better deal by insuring with multiple companies.
  • Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered would be running into the backend of another car, collision with an animal, and rolling your vehicle. Your deductibles are how much you are required to spend out-of-pocket in the event of a claim. The higher the amount the insured has to pay upfront, the less your auto insurance will be.
  • Small claims can cost you - If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies in Michigan provide discounts to insureds who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.

Are you falling for claims of savings?

Consumers in Michigan can't get away from ads that promise big savings from companies such as State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you move your policy.

But how can every company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the right customer that is profitable for them. For example, a desirable insured might be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A customer getting a price quote who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will have to pay a more expensive rate which usually ends up with the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save that kind of money. That's the way companies can truthfully claim big savings. Because of the profiling, drivers must get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Best coverage at the best price

The cheapest auto insurance is possible both online in addition to many Genesee insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Consumers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, unfair underwriting practices or policy cancellation. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.

When trying to cut insurance costs, do not reduce coverage to reduce premium. In many cases, someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy enough coverage for the lowest price.

Even more information can be found at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to get help finding coverage, find out which companies have the most complaints, and view a list of available companies.

Additional helpful sites include this site for Michigan auto insurance information and see this list of insurance agents in Genesee.