7 Tips Guaranteed to Lower Car Insurance Costs in Lake Ann, MI

Are you sick and tired of scraping the payment together each month for car insurance? You're in the same situation as many other drivers in Michigan.

Having so many choices, it can be hard to locate the lowest cost insurer.

Save big with these seven discounts

Companies offering auto insurance do not advertise all available discounts very well, so here is a list some of the more common and also the lesser-known car insurance savings.

  • Clubs and Organizations - Belonging to a professional or civic organization could qualify you for a break when buying car insurance.
  • Use Seat Belts - Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% depending on your company.
  • Sign Early and Save - Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Discount for Life Insurance - Some companies give a break if you buy a life insurance policy as well.
  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.

It's important to note that most credits do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you're out of luck.

Car insurance ads bend the truth

Allstate, GEICO and Progressive regularly use ads on TV and radio. All the companies say the same thing that you can save if you move to their company. But how can every company make the same claim? It's all in the numbers.

All companies can use profiling for the driver that earns them a profit. An example of a profitable customer could be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. Any new insured who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile must pay higher rates which usually ends up with business going elsewhere. The ad wording is "customers who switch" not "people who quote" save that much. That's why insurance companies can state the savings. This illustrates why you should get as many quotes as possible. It's just too difficult to predict the company that will give you the biggest savings.

Additional detailed information is available at the Michigan Office of Financial and Insurance Regulation website. Consumers can find out which companies have the most complaints, find a variety of consumer forms, download brochures, and file complaints about a company.

Also read more on this link for Michigan car insurance quotes and this link which helps you find a Lake Ann agent.

Do the work, save more money

Lower-priced car insurance is definitely available from both online companies and also from your neighborhood Lake Ann agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

You just learned a lot of information how to reduce car insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. Regional companies often have lower prices on specific markets than their larger competitors like .