How to Know You're Wasting Money for Auto Insurance in Greenville

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are a lot of people in Greenville just like you who feel imprisoned by their auto insurance policy.

Big companies like GEICO and Progressive all promote huge savings with ad campaigns and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Greenville is quite easy. Nevertheless, Michigan vehicle owners do need to know the way companies sell insurance online because it can help you find the best coverage.

Don't pay full price with these discounts

Companies offering auto insurance don't always publicize every discount in a way that's easy to find, so we researched some of the best known and the harder-to-find discounts you could be receiving.

Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
Defensive Driver - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
Seat Belt Usage - Drivers who require all occupants to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
Claim Free - Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
Low Mileage Discounts - Driving fewer miles could be rewarded with a substantially lower rate.
Multi-car Discount - Having more than one vehicle on one policy qualifies for this discount.

It's important to understand that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way.

The auto insurance bait and switch

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. They all have a common claim of big savings if you switch your coverage to them. How can each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, has no tickets, and has excellent credit. A propective insured that hits that "sweet spot" is entitled to the best price and therefore will save when they switch companies.

Consumers who don't measure up to the requirements will be quoted higher prices and this can result in business not being written. The ads state "drivers who switch" not "everyone that quotes" save that much money. That's the way insurance companies can confidently make those claims. This emphasizes why you should get as many quotes as possible. It's not possible to predict which auto insurance company will have the lowest rates.

Find out more about auto insurance

More tips and info about auto insurance is located at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can view a list of available companies, discover disciplinary actions, find out industry alerts, and find a variety of consumer forms.

Do the work, save more money

Low-cost auto insurance is available on the web as well as from independent agents in Greenville, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies don't offer you the ability to get quotes online and these small, regional companies work with independent agents.

Throughout this article, we presented a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a lesser-known regional company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as .