Goodrich Auto Insurance For Less Than You're Paying Now

Are you intimidated by the crazy number of auto insurance choices in Goodrich? You're not the only one! People have so many companies to choose from that it can turn into more work than you anticipated to locate the lowest price.

It's important to do rate comparisons every six months because prices are constantly changing. Even if you got the best price on your last policy a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to learn the tricks you need to know to buy cheaper auto insurance.

Buying car insurance in Goodrich is quite easy. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Nevertheless, Michigan consumers do need to know the way companies price insurance differently and apply this information to your search.

Take advantage of discounts

Car insurance companies don't necessarily list all their discounts very well, so we took the time to find both the well known and the harder-to-find auto insurance savings.

Senior Citizens - If you qualify as a senior citizen, you may be able to get reduced rates.
Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
Bundle and Save - If you have multiple policies with the same company you may save 10% to 20% off each policy.
Discount for Good Grades - Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
No Charge for an Accident - Some insurance companies will allow you to have one accident before your rates go up as long as you don't have any claims for a certain period of time.
Anti-theft System - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Driver Safety - Taking a defensive driving course could possibly earn you a 5% discount if you qualify.

It's important to understand that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn't quite work that way.

Why some people pay less for insurance in Goodrich

Smart consumers have a good feel for some of the elements that help determine the rates you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

The following are a few of the "ingredients" companies use to determine rates.

Older drivers pay less - Youthful drivers in Michigan are known to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
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. Examples of covered claims would be running into the backend of another car, collision with an animal, and windstorm damage. Your deductibles are how much you are required to spend in the event of a claim. The higher the amount you're willing to pay, the less your auto insurance will be.
More people means more accidents - Choosing to live in a small town can be a good thing when talking about auto insurance. City drivers tend to have much more traffic and longer commute times. Lower population means fewer accidents.
Cautious drivers pay less - Your driving citation history has a big impact on rates. Good drivers tend to pay less for car insurance compared to drivers with tickets. Just one citation can increase rates forty percent or more. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
Do men or women drive better? - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are better drivers. Men and women tend to get into accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
More than one policy can earn a discount - Many companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to compare other company rates to make sure you are getting the best deal. You may still find a better deal by buying auto insurance from a different company.

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to say the same thing of big savings after switching to them. 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 type of driver that earns them a profit. For example, a desirable insured might be between the ages of 30 and 50, has no driving citations, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will have to pay more money which usually ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save money. That's the way insurance companies can confidently advertise the savings. Because of the profiling, drivers should compare as many rates as you can. It's impossible to know which auto insurance company will fit your personal profile best.

More tips and info about auto insurance can be found at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, and view agent and company licensing information.

Also read more on this Car Insurance FAQ and this page of insurance agents in Goodrich.

Do the work, save more money

When you buy insurance online, don't be tempted to skimp on coverage in order to save money. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage for the lowest price.

Low-cost auto insurance can be purchased both online and with local Goodrich insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

We covered many ways to reduce auto insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a lesser-known regional company.