5 Discounts Grosse Ile Consumers Forget when Quoting Car Insurance

If online car insurance comparisons are new to you, you may be overwhelmed by the vast number of car insurance companies all offering big savings in Grosse Ile.

Finding affordable coverage in Grosse Ile is not that difficult. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Michigan consumers only need to know the most efficient way to compare rates online.

Policy discounts you shouldn't miss

Companies don't list every discount very well, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you don't get every credit you qualify for, you are throwing money away.

  • Military Discounts - Being on active duty in the military can result in better rates.
  • Air Bag Discount - Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Federal Employees - Active or retired federal employment could cut as much as 10% off with a few car insurance companies.
  • Multiple Policy Discount - If you have multiple policies with one company you may earn at least 10% off all policies.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you won't be that lucky.

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Insurance agents can help

When it comes to buying coverage for your vehicles, there really is no "best" method to buy coverage. Each situation is unique.

For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.

Save $429 a year? Really?

Consumers in Michigan get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all make an identical promise about savings if you move your policy.

But how can every company claim to save you money?

Insurance companies have a certain "appetite" for the right customer that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and drives less than 10,000 miles a year. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don't qualify for this ideal profile will be quoted more money and ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully advertise the way they do. This emphasizes why drivers should compare many company's rates. It's just too difficult to predict which company will provide you with the cheapest rates.

Additional Michigan consumer information

Even more information can be read at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to find disaster information, find out industry alerts, and view a list of available companies.

Also read more on this page for car insurance prices in Michigan and this page of Grosse Ile insurance agents.

Michigan car insurance

And the best car insurance company is...

People who switch companies do it for many reasons like unfair underwriting practices, poor customer service, policy cancellation and even high rates after DUI convictions. No matter why you want to switch, finding the right car insurance provider is less work than it seems.

We just covered some good ideas how you can reduce car insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a company that doesn't do a lot of advertising.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many situations where someone dropped full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.