Top Ways to Save on Howell Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat. Multiple compete to insure your vehicles, so it can be very hard to choose a and get the best coverage at the lowest price

It's important to get comparison quotes at least once a year because prices are constantly changing. Despite the fact that you may have had the best rates on your last policy you will most likely find a better rate today. There is a lot of bad information regarding auto insurance online but I'm going to show you some great ways to put money back in your pocket.

Take advantage of discounts

The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but some may not be applied and must be inquired about prior to getting the savings. If they aren't giving you every credit possible, you are throwing money away.

  • Life Insurance Discount - Some companies give lower rates if you buy life insurance.
  • Driver Safety - Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Save over 55 - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Clubs and Organizations - Participating in certain professional organizations may earn a discount on auto insurance.
  • Federal Government Employee - Active or retired federal employment could cut as much as 10% off with select insurance companies.

It's important to note that some of the credits will not apply the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you're out of luck. But any discount will cut your overall premium however.

Michigan auto insurance quotes

Are auto insurance companies telling the truth?

Michigan consumers get pounded daily by advertisements that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to have a common claim that you can save after switching your policy.

How do they all make almost identical claims?

Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could possibly be between 30 and 50, has no tickets, and has great credit. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is "customers that switch" not "people who quote" save that kind of money. That's the way insurance companies can advertise the savings.

Because of the profiling, you should get quotes from several different companies. It's impossible to know which auto insurance company will fit your personal profile best.

Find out more about auto insurance

More information can be read on the website for the Michigan Office of Financial and Insurance Regulation located here. Michigan consumers can file complaints about an insurance agent or broker, discover disciplinary actions, read enforcement actions against agents and companies, and find out which companies have the most complaints.

auto insurance in Howell

In the end, you save

When you buy insurance online, never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at a price you can afford.

Lower-priced auto insurance can be bought online in addition to many Howell insurance agents, so compare prices from both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.