Tightwads Instructions on Saving on Ionia Auto Insurance

Paying for high-priced auto insurance can take a big chunk out of your savings account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Lots of contend for your business, and because of this it can be hard to compare and uncover the absolute lowest rate

It's important to take a look at other company's rates quite often because insurance rates are constantly changing. Just because you had the best deal last year you will most likely find a better rate today. Starting now, ignore everything you know about auto insurance because you're about to learn the only way to reduce your cost while increasing coverage.

Save big with these discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited. If they aren't giving you every credit you deserve, you are throwing money away.

Sign Online - A few companies will discount your bill up to fifty bucks for buying your policy on their website.
Discount for New Cars - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Passive Restraints and Air Bags - Factory air bags or automatic seat belts can get savings of 20% or more.
Drive Less and Save - Driving fewer miles can qualify you for discounted rates on garaged vehicles.
Defensive Driver - Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will cut your overall premium however.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured's situation is different so your insurance should reflect that These are some specific questions may help you determine if your situation would benefit from professional advice.

Does medical payments coverage apply to all occupants?
Should I file a claim if it's only slightly more than my deductible?
Can I rate high risk drivers on liability-only vehicles?
Is my dog or cat covered if injured in an accident?
Should I rate my vehicle as pleasure use or commute?
Is my cargo covered for damage or theft?
Should I put collision coverage on all my vehicles?
Are there companies who specialize in insuring high-risk drivers?

If you're not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Auto insurance ads bend the truth

Michigan consumers get pounded daily by advertisements for car insurance savings by State Farm, GEICO and Progressive. They all seem to make an identical promise about savings if you switch to their company.

How do they all make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured could possibly be a mature driver, insures multiple vehicles, and drives newer vehicles. A driver who meets those qualifications will get the preferred rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" not "people who quote" save that much. This is how companies can truthfully claim big savings.

Because of the profiling, you should get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings.

More sites with auto insurance information

Additional information is available on the website for the Michigan Office of Financial and Insurance Regulation. Click here for link. Michigan consumers can get help finding coverage, read enforcement actions against agents and companies, file complaints about a company, and find disaster information.

In the end, you save

Cheaper auto insurance is available online and also from your neighborhood Ionia agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to get the best coverage possible for the lowest price.

In this article, we presented many tips how you can reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like .