7 Tricks Shown to Slash the Cost of Car Insurance Costs in Goetzville

Scraping up a payment for overpriced car insurance can dwindle your checking account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to help make ends meet.

You have multiple to buy insurance from, and though it is a good thing to have a selection, having more makes it harder to compare rates.

It's important to do rate comparisons yearly since rates are constantly changing. If you had the best rates six months ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to save money.

This information will teach you the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. But Michigan consumers do need to know the methods companies use to market on the web.

Save big with these seven discounts

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. Most are applied at quote time, but some may not be applied and must be requested specifically in order for you to get them.

  • Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
  • Save with a New Car - Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Accident Free - Drivers who don't have accidents pay less as compared to bad drivers.
  • Accident Waiver - Certain companies will forgive one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Bundle and Save - When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

To see a list of companies with the best car insurance discounts in Michigan, click here to view.

Michigan car insurance quotes

How to Get Cheap Car Insurance in Goetzville, MI

There are several ways to get quotes from local Goetzville car insurance companies. The best method to find competitive insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

  • The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating boring form submissions for each company you want a rate for. A single, simple form gets you coverage quotes from all major companies.
  • A more time consuming way to get quotes online consists of going to the website for each individual company to complete a price quote. For example, we'll pretend you want comparison quotes from , and . To get each rate you have to visit each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in Goetzville, click here.

It's up to you which method you use, but make sure you use identical coverages for every company. If you have different limits and deductibles on each one it will be impossible to decipher which rate is best in Goetzville. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that more quotes helps locate lower pricing.

But I don't know anything about car insurance

When choosing coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different so your insurance should reflect that These are some specific questions can help discover if your situation could use an agent's help.

  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?

If you're not sure about those questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to make an identical promise that you'll save big if you move to them. How does each company claim to save you money?

Insurance companies have a preferred profile for the type of driver that is profitable for them. A good example of a desirable insured might be over the age of 40, has no prior claims, and has a high credit rating. Any new insured who meets those qualifications will get very good rates and most likely will save when switching.

Potential insureds who fall outside these standards will have to pay more money and ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save money. This is how companies can state the savings.

Because of the profiling, drivers must get a wide range of price quotes. It's just too difficult to predict which insurance companies will have the lowest rates.

Affordable insurance is out there

As you restructure your insurance plan, never reduce coverage to reduce premium. In many instances, consumers will sacrifice collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to find the BEST coverage at a price you can afford.

Budget-conscious car insurance is definitely available both online and with local Goetzville insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Michigan car insurance quotes

Learn more about car insurance in Michigan

Much more information about car insurance in Michigan can be read on the website for the Michigan Office of Financial and Insurance Regulation located here. Visitors are able to view agent and company licensing information, file complaints about an insurance agent or broker, read industry bulletins, and get help finding coverage.