Top Ways to Save on Gregory Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out.

Multiple compete to insure your vehicles, so it can be very hard to choose a to get the lowest rate

It's important to price shop coverage every six months because prices are constantly changing. Even if you got the best price a few years ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the only way to find great coverage at a great price.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Gregory is easy if you know what you're doing. But Michigan consumers do need to know the way companies price online insurance and apply this information to your search.

More discounts equal less premium

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be applied when you quote, but less common discounts must be manually applied before you get the savings.

Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance.
Multi-car Discount - Having more than one vehicle on one policy could earn a price break for each car.
Theft Prevention Discount - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Drive Less and Save - Driving fewer miles can earn discounted rates on garaged vehicles.
Homeowners Discount - Owning a house in Gregory can help you save on auto insurance because owning a home is proof that your finances are in order.
Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
No Claims - Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
Sign Online - A few companies may give you up to $50 for buying a policy and signing up on their website.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, companies don't profit that way. But all discounts will cut your premiums.

Switch companies and save? Really?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to make an identical promise that you'll save big if you switch your policy. How do they all claim to save you money?

Insurance companies are able to cherry pick for the right customer 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 a short commute. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will have to pay a higher premium and ends up with the customer not buying. The ads state "people who switch" not "everyone that quotes" save that kind of money. That's the way companies can make the claims of big savings.

Because of the profiling, you should get as many comparisons as possible. It's impossible to know which auto insurance company will fit your personal profile best.

Learn more about Michigan auto insurance

Much more information about auto insurance in Michigan can be found on the website for the Michigan Office of Financial and Insurance Regulation through this link. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, read consumer alerts, and discover disciplinary actions.

Affordable insurance is out there

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at an affordable rate.

Discount auto insurance can be found both online in addition to many Gregory insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.