Comparing Cheaper Harbor Springs Auto Insurance

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than the majority of other car owners in Michigan.

Lots of contend for your hard-earned dollar, so it's not easy to compare every and get the best coverage at the lowest rate

It's important to get comparison quotes before your policy renews since insurance rates are constantly changing. Just because you found the best price a couple years back you will most likely find a better rate today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the quickest way to find better coverage at a better price.

Don't pay full price with these discounts

Auto insurance companies don't list all their discounts in an easy-to-find place, so we took the time to find some of the best known and the more hidden auto insurance savings.

  • New Vehicle Savings - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • No Claims - Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Clubs and Organizations - Affiliation with certain professional organizations could qualify you for a break on auto insurance.
  • Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think it's possible to get free car insurance, you won't be that lucky.

Michigan auto insurance quotes

The auto insurance bait and switch

Auto insurance companies such as GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to say the same thing about savings if you change your policy. How do they all say the same thing?

All companies can use profiling for the right customer that earns them a profit. For example, a desirable insured might be profiled as between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A propective insured who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will have to pay higher premiums which usually ends up with business not being written. The ads state "people who switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully advertise the way they do. Because of the profiling, you should quote coverage with many companies. It's not possible to predict the company that will provide you with the cheapest rates.

Even more information can be found at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can file complaints about an insurance agent or broker, read industry bulletins, find out which companies have the most complaints, and find disaster information.

Do the work, save more money

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Cheaper auto insurance can be sourced on the web in addition to many Harbor Springs insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.