Proven Ways to Save on Lawton Auto Insurance

Are you tired of paying out the nose each month for car insurance? You are in the same boat as many other Michigan consumers.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to shop coverage around before your policy renews since insurance rates are constantly changing. Even if you think you had the best price six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you're about to find out how to quote online to eliminate unnecessary coverages and save money.

Comparison of Auto Insurance in Lawton

Most major insurance companies provide coverage price quotes online. Getting online quotes is fairly simple as you simply enter as detailed in the form. Behind the scenes, their system will obtain your driving record and credit report and quotes a price based on many factors. Online quotes streamlines rate comparisons, but having to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it's very important to get many rate quotes if you want to find better auto insurance pricing.

Quote rates the easy way

A less time-consuming method to lower your auto insurance bill requires only one form that analyzes rates from many companies. The form is fast, requires less work, and makes price shopping online a lot less work. Once the form is submitted, it gets priced with multiple companies and you can pick your choice of the returned quotes.

If you find a better price it's easy to complete the application and purchase the new policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To quickly find out what other companies charge, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you replicate as close as possible to your current policy. This way, you will get a rate comparison based on similar coverages.

Michigan auto insurance

Tips to Get Lower Lawton Rates

It's important that you understand the different types of things that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get lower auto insurance prices.

  • High credit ratings translate to low rates - Your credit score is a big factor in your rate calculation. People with high credit ratings tend to be more responsible than drivers who have lower credit scores. If your credit is low, you could be paying less to insure your by improving your credit score.
  • Your stress level may be raising your rates - Occupations like lawyers, business owners and dentists have the highest average rates due to high stress levels and lengthy work days. Other occupations such as farmers, historians and retirees get better rates.
  • High crash test scores lower rates - Cars with high safety ratings can get you lower premiums. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Too many auto insurance claims drive up costs - Insurance companies in Michigan award cheaper rates to insureds who do not file claims often. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Car features impact rates - Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
  • Performance influences rates - The make and model of the car you drive makes a significant difference in how high your rates are. Small economy passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
  • A clean driving record saves money - Your driving record has a huge affect on how much you pay. Even a single moving violation can bump up the cost by twenty percent. Drivers who don't get tickets get better rates than their less careful counterparts. Drivers who get dangerous violations like DUI or reckless driving may be required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Men are more aggressive - The statistics show women are more cautious behind the wheel. Now that doesn't mean women are BETTER drivers than men. Women and men are in accidents in similar percentages, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.

These discounts can lower your rates

Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be requested specifically before they will apply.

  • Passive Restraints - Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Claim Free - Claim-free drivers can save substantially compared to frequent claim filers.
  • Low Mileage - Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Drivers Ed for Students - Require your teen driver to take driver's ed class if offered at their school.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Discount for Swiching Early - Some companies give discounts for signing up before your current policy expires. The savings is around 10%.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

For a list of providers with discount auto insurance rates in Lawton, click here to view.

Additional information can be found on the website for the Michigan Office of Financial and Insurance Regulation found here. Michigan drivers can find out industry alerts, read industry bulletins, find disaster information, and download brochures.

Affordable insurance is out there

Throughout this article, we presented many tips how you can lower your auto insurance rates. It's most important to understand that the more you quote, the better likelihood of reducing your rate. Drivers may discover the lowest priced auto insurance comes from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as .

Cheaper auto insurance is attainable on the web as well as from independent agents in Lawton, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.