Tightwads Guide for Saving on Lapeer Auto Insurance
Overpriced auto insurance can overdraw your bank account and put a big crunch on your finances. Shopping your coverage around is a great way to slash your bill and have more diposable income.
Companies like GEICO and Progressive all promote huge savings with ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.
It's important to check auto insurance prices on a regular basis since insurance rates are constantly changing. Despite the fact that you may have had the lowest price a year ago there may be better deals available now. You'll find quite a bit of inaccurate information about auto insurance online, so I'm going to show you some great ways to stop overpaying for insurance.
Are you getting all your discounts?
Car insurance companies don't necessarily list all their discounts in a way that's easy to find, so we researched some of the best known and the harder-to-find discounts you could be receiving.
- College Student - Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Sign Online - Certain companies give back up to $50 just for signing your application digitally online.
- Senior Discount - Older drivers may be able to get reduced rates.
- Seat Belt Usage - Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
- Government Employees - Simply working for the federal government can save as much as 8% with select insurance companies.
Keep in mind that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn't work that way.
For a list of companies who offer auto insurance discounts in Lapeer, click here.
How to Lower Your Auto Insurance Cost in Lapeer, Michigan
Most major insurance companies allow you to get prices for coverage online. Getting online quotes is fairly straightforward as you just type in the coverages you want as detailed in the form. Once entered, their system will obtain reports for credit and driving violations and generates a price. Online quotes makes comparing rates easy, but the time required to go to several different sites and fill out multiple forms can be a bit tiresome and repetitive. But it's very important to compare as many rates as possible in order to find the best price on auto insurance.
There is a better way!
A more efficient way to find lower prices requires only one form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much simpler. After your information is entered, it is rated and you can select your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.
To quickly find out if lower rates are available, click here to open in new window and submit the form. If you have coverage now, it's recommended you replicate your coverages as shown on your current policy. This helps ensure you are getting rate comparison quotes based on identical coverages.
Do the work, save more money
While you're price shopping online, it's a bad idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced collision coverage and learned later they didn't purchase enough coverage. Your aim should be to buy enough coverage for the lowest price.
Affordable auto insurance can be bought on the web and with local Lapeer insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.
