Lower Online Huntington Woods Auto Insurance Prices With These Tricks

If you're new to shopping for auto insurance online, it's easy to be confused by the large number of auto insurance companies offering insurance in Huntington Woods.

If you currently have car insurance, you should be able to save some money using these techniques. The purpose of this article is to introduce you to how car insurance quotes work and some tips to save money. But Michigan drivers do need to know the methods companies use to market on the web and take advantage of how the system works.

Finding Auto Insurance in Huntington Woods, MI

Most major insurance companies such as State Farm, Allstate and GEICO give coverage prices directly from their websites. This process is quite simple as you simply type in your coverage preferences into the quote form. Behind the scenes, the company's rating system will obtain credit information and your driving record and returns a price quote based on these and other factors.

Quoting online helps simplify price comparisons, but the process of having to visit different websites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

A less time-consuming method to get multiple rate quotes uses one form that gets prices from several different companies. It's a real time-saver, eliminates form submissions, and makes rate comparisons much more enjoyable. Immediately after submitting the form, your coverage is rated and you are able to buy any of the returned quotes.

If you find a better price you can click and sign and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

To find out how much you're overpaying now, click here and complete the simple form. If you have a policy now, it's recommended that you enter the coverage information just like they are on your policy. This way, you will have a price comparison based on similar coverages.

compare Huntington Woods auto insurance rates

Good Decisions Result in Lower Rates

It's important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to better auto insurance rates.

The list below includes some of the factors auto insurance companies consider when setting prices.

  • Special features that cut premiums - Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Multiple policies with one company can save - The majority of auto insurance companies provide better rates to customers who buy several policies from them. It's known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it's still a good idea to shop around to ensure the best deal.
  • Rates may be higher depending on your occupation - Careers like doctors, executives and accountants tend to have higher rates than average due to stressful work requirements and long work hours. On the flip side, jobs such as scientists, athletes and the unemployed receive lower rates.
  • Don't sacrifice liability coverage - The liability section of your policy is the coverage that protects you when a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.

More discounts equal less premium

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Most are applied when you quote, but some must be asked for prior to getting the savings.

  • Service Members Pay Less - Having a family member in the military can result in better rates.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • No Accidents - Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Club Memberships - Participating in certain professional organizations could trigger savings when shopping for auto insurance.
  • More Vehicles More Savings - Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Paperwork-free - Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Discount for New Cars - Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Defensive Driving Course - Taking a course in driver safety can save you 5% or more depending on where you live.
  • Passive Restraints - Cars that have air bags or motorized seat belts can get savings of more than 20%.
  • Federal Employees - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will cut your premiums.

For a list of insurance companies with the best auto insurance discounts in Huntington Woods, click this link.

It's not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else's.

Here are some questions about coverages that might point out if you could use an agent's help.

  • Am I covered when pulling a rental trailer?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?
  • Am I covered if I wreck a rental car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does medical payments coverage apply to all occupants?

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Much more information about auto insurance in Michigan is available on the Michigan Office of Financial and Insurance Regulation website found here. Michigan consumers can view a list of available companies, read consumer alerts, and read industry bulletins.

Huntington Woods auto insurance quote

Final considerations

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, policy non-renewal, high rates after DUI convictions and questionable increases in premium. It doesn't matter why you want to switch finding a new auto insurance company is not as hard as you think.

When trying to cut insurance costs, never reduce needed coverages to save money. There have been many situations where an insured cut liability limits or collision coverage only to find out that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

Budget-conscious auto insurance is definitely available online and also from your neighborhood Huntington Woods agents, and you need to comparison shop both to have the best rate selection. A few companies may not provide online quoting and these smaller companies work with independent agents.