Lansing Car Insurance For Less Than You're Paying Now

Beginners to shopping for insurance online will discover finding low-cost Lansing car insurance quite challenging.

It's important to compare prices periodically because rates are constantly changing. Just because you found the best rates a year ago you will most likely find a better rate today. There is too much inaccurate information about car insurance online but I'm going to show you some great ways to put money back in your pocket.

Finding affordable coverage in Lansing is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Michigan drivers only need an understanding of the most efficient way to compare rates over the internet.

Policy discounts you shouldn't miss

Auto insurance companies don't always publicize all their discounts very clearly, so the following is a list of some of the more common as well as the least known car insurance savings. If you're not getting every credit you qualify for, you are throwing money away.

  • Bundle and Save - If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Sign Online - Certain companies will give a small break simply for signing over the internet.
  • New Car Discount - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Accident Forgiveness - Certain companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.

It's important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it doesn't quite work that way.

Michigan car insurance quotes

Insurance agents can help

When it comes to buying coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's needs are different.

For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Michigan?
  • Does medical payments coverage apply to all occupants?
  • Should I file a claim if it's only slightly more than my deductible?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered when they drive my vehicle?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, doesn't cost anything and can help protect your family.

Save $429 a year? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to say the same thing of big savings after switching to their company.

How does each company make the same claim?

All companies have a certain "appetite" for the driver that earns them a profit. A good example of a desirable insured could be between the ages of 30 and 50, a clean driving record, and has excellent credit. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will have to pay a higher premium which usually ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently make those claims. Because of the profiling, you should quote coverage with many companies. Because you never know which company will have the lowest rates.

Additional Michigan consumer information

More tips and info about car insurance can be read at the Michigan Office of Financial and Insurance Regulation website. Consumers can view agent and company licensing information, file complaints about a company, and get help finding coverage.

Michigan car insurance

And the best car insurance company is...

While you're price shopping online, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone dropped collision coverage and discovered at claim time they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

We just showed you many ways to reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small local company.

Low-cost car insurance can be sourced from both online companies and also from your neighborhood Lansing agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.