8 Discounts Imlay City Consumers Forget when Shopping for Car Insurance
Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers in Michigan.
Consumers have many to buy insurance from, and although it's a good thing to be able to choose, it can be more difficult to compare rates.
It's important to compare rates once or twice a year since rates are constantly changing. If you had the best rates six months ago there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to reduce your car insurance bill.
Choosing the best insurance company for you in Imlay City is easy if you know what you're doing. Essentially every vehicle owner who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But Michigan consumers do need to know how the larger insurance companies determine prices.
Fast and Easy Imlay City Car Insurance Quotes
Shopping for lower car insurance rates can be a daunting task if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Imlay City, or you could save time and use the internet to achieve your goal.
Most of the larger companies belong to an insurance system that enables customers to submit one quote, and each company then returns a price quote. This saves time by eliminating quote requests to each individual car insurance company.
To submit your quote information now, click here to open in new window.
The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers you want to price. So if you want to select from a list of companies to request quotes from, we have a page of car insurance companies in Michigan. View list of Michigan insurance companies.
It's your choice how you get your quotes, but double check that you are using identical deductibles and coverage limits for every quote you compare. If you compare different values for each quote it's impossible to determine the best price in Imlay City. Quoting even small variations in insurance coverages may result in a large different in cost. It's important to know that getting more free quotes helps locate better pricing.
Don't pay full price with these eight discounts
Companies do not list all their discounts very clearly, so the following is a list of both the well known as well as the least known savings tricks you should be using.
- Save with a New Car - Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Drivers Education - Cut your cost by having your teen driver complete a driver education course in high school.
- Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- One Accident Forgiven - Certain companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
- Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
- Drive Less and Save - Keeping the miles down could qualify for discounted rates on garaged vehicles.
- More Vehicles More Savings - Having multiple cars or trucks with the same company may reduce the rate for each vehicle.
- No Accidents - Claim-free drivers pay less as compared to accident-prone drivers.
Consumers should know that most discounts do not apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.
To choose companies with the best car insurance discounts in Michigan, click here to view.
The car insurance bait and switch
Car insurance companies such as GEICO, State Farm and Progressive regularly use ads in print and on television. They all seem to make an identical promise that you'll save big if you move to their company. How does each company claim to save you money?
Insurance companies can use profiling for the driver that makes them money. A good example of a desirable insured might be between the ages of 40 and 55, has no tickets, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and therefore will save when switching.
Potential customers who don't measure up to these standards will have to pay higher prices and ends up with the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that much. That's why companies can state the savings. Because of the profiling, you need to get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.
More detailed Michigan car insurance information can be read at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to file complaints about an insurance agent or broker, download brochures, view a list of available companies, and get help finding coverage.
Do the work, save more money
As you restructure your insurance plan, never reduce coverage to reduce premium. In many instances, an insured dropped collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford.
Discount car insurance is possible both online and also from your neighborhood Imlay City agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.
