Top Ways to Save on Leslie Car Insurance

Expensive car insurance can take a big chunk out of your personal savings, especially in this economy. Comparison shopping is a smart way to help make ends meet.

Because you have many choices of insurance companies, it's difficult to locate the right insurance company.

It's important to price shop coverage on a regular basis because rates are constantly changing. Just because you had the best rates last year a different company probably has better rates today. There is a lot of wrong information about car insurance online, so I'm going to show you some great ways to find cheap car insurance.

These discounts can lower your rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but some may not be applied and must be asked for before being credited.

College Student - Children living away from home attending college and do not have a car can be insured at a reduced rate.
Accident Waiver - Some insurance companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
Passive Restraint Discount - Factory air bags or automatic seat belts can receive discounts of 20% or more.
Drive Less and Save - Driving fewer miles could qualify for lower rates on the low mileage vehicles.
Own a Home - Owning a house in Leslie may trigger a car insurance policy discount because owning a home demonstrates responsibility.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will help reduce the cost of coverage.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower car insurance prices.

Older drivers pay less - Young drivers in Michigan are statistically proven to be more careless when driving so car insurance rates are higher. If you've ever had to add a teenage driver onto your car insurance can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that men are WORSE drivers than women. Women and men are in accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
What type of vehicle do you drive? - The performance of the car you own makes a big difference in how high your rates are. The lowest rates are generally reserved for lower performance four cylinder passenger vehicles, but there are many factors that impact the final cost.
Better credit scores mean better rates - Credit score is a important factor in determining what you pay for car insurance. If your credit rating is lower than you'd like, you could potentially save money when insuring your by improving your rating. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit.
Do you need those extra coverages? - There are many add-on coverages that you can buy on your policy. Things like rental car reimbursement, towing coverage and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
High deductibles save money - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles are how much you are willing to pay in the event of a claim. The more expense the insured has to pay upfront, the bigger discount you will receive.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to say the same thing about savings if you switch your policy. But how can every company make the same claim?

All companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured could be over the age of 50, insures multiple vehicles, and has great credit. A customer who fits that profile gets the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will have to pay higher prices which usually ends up with business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save that kind of money. This is how companies can truthfully advertise the savings.

Because of the profiling, drivers should get a wide range of price quotes. Because you never know which insurance companies will give you the biggest savings.

Additional information can be read on the website for the Michigan Office of Financial and Insurance Regulation located here. Consumers can read enforcement actions against agents and companies, learn about insurance regulations, learn about specific coverages, and find out industry alerts.

Also read more on this Car Insurance FAQ and this page of insurance agents in Leslie.

Do the work, save more money

As you prepare to switch companies, don't be tempted to skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford.

Cheap car insurance is available from both online companies in addition to many Leslie insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just showed you many ways to reduce car insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from the least-expected company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as .