Car Insurance in Kingsford Michigan - 10 Tricks to Save Money

Nobody likes having to buy car insurance, especially when they are paying too much. Because you have many car insurance companies to choose from, it is very difficult to find the most affordable car insurance company.

Finding affordable coverage in Kingsford is not that difficult. If you currently have car insurance, you will be able to cut costs considerably using this information. Michigan consumers only need to know the most efficient way to compare company rates over the internet.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise every discount very well, so we researched some of the more common and also the lesser-known discounts you could be receiving. If you don't get every credit you qualify for, you are paying more than you should be.

Federal Employees - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Multiple Policy Discount - If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.
Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
New Car Discount - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
No Claims - Good drivers with no accidents pay much less when compared to accident-prone drivers.
Driver Safety - Taking a driver safety course can save you 5% or more if your company offers it.
Good Student - This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Accident Forgiveness - Some insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
Passive Restraints - Cars that have air bags or motorized seat belts can receive discounts of 20% or more.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free car insurance policy, you won't be that lucky.

To choose insurance companies who offer car insurance discounts in Michigan, click here.

Is there truth in advertising?

Consumers can't ignore all the ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all have a common claim about savings after switching your policy.

But how can every company make the same claim? It's all in the numbers.

Different companies have a certain "appetite" for the right customer that makes them money. For instance, a driver they prefer could be between the ages of 30 and 50, owns a home, and has a short commute. Any new insured that hits that "sweet spot" will get very good rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will be quoted higher premiums and this can result in business going elsewhere. The ads say "customers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully make the claims of big savings. This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which company will fit your personal profile best.

How do I know if I need professional advice?

When buying the best car insurance coverage for your vehicles, there really is no "perfect" insurance plan. Every situation is different and your policy should reflect that. For example, these questions might point out whether or not you might need an agent's assistance.

Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Can I still get insurance after a DUI?
Are there companies who specialize in insuring high-risk drivers?
Should I have combined single limit or split liability limits?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Even more information is located at the Michigan Office of Financial and Insurance Regulation website. Consumers can download brochures, find out industry alerts, view agent and company licensing information, and read consumer alerts.

Other informative sites include this online resource for car insurance quotes in Michigan and this list of insurance agents in Kingsford.

And the best car insurance company is...

As you shop your coverage around, do not buy poor coverage just to save money. There are too many instances where an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

The cheapest car insurance can be purchased from both online companies in addition to many Kingsford insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide online price quotes and these small, regional companies work with independent agents.