Free Guide to Paying Less for New Hudson Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you're not the only one.

With consumers having so many auto insurance companies to choose from, it can be hard to locate the most affordable company.

Be sure to get all your discounts

Car insurance companies don't list all available discounts very well, so we break down some of the best known and also the lesser-known auto insurance savings.

  • Fewer Miles Equal More Savings - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Auto/Home Discount - If you have multiple policies with one company you may save 10% to 20% off each policy.
  • Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
  • No Claims - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

auto insurance in New Hudson

Understand what determines the rate you pay

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

  • Safer cars cost less to insure - Safer cars are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates.
  • Do you know your deductibles? - Your deductibles represent how much money you are required to spend in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and rolling your vehicle. The higher the amount the insured has to pay upfront, the less your auto insurance will be.
  • Big city or small town - Choosing to live in a small town is a positive aspect when buying auto insurance. City drivers tend to have more traffic problems and a longer drive to work. Fewer people means reduced accidents.
  • Clean credit earns discounts - A driver's credit history is a big factor in calculating your auto insurance rates. If your credit is not that good, you could potentially save money when insuring your by improving your rating. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores.
  • You might want pay the small claims yourself - Auto insurance companies in Michigan provide discounts to insureds who do not rely on their insurance for small claims. If you file claims often, you can expect either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
  • Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Occupations such as lawyers, architects and stock brokers are shown to have the highest rates due to high stress levels and long work hours. On the other hand, occupations like actors, students and performers pay the least.

Is there truth in advertising?

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies say the same thing about savings after switching your policy. But how can every company say the same thing? It's all in the numbers.

Different companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer might be profiled as over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile must pay higher rates which usually ends up with business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully advertise the way they do. This illustrates why drivers should compare as many rates as you can. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Even more information can be found at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can find disaster information, report car insurance fraud, view agent and company licensing information, and find out industry alerts.

Also read more on this resource for Michigan auto insurance prices and this page of New Hudson insurance agents.

The best insurance company isn't always the cheapest

Cheap auto insurance can be purchased on the web in addition to many New Hudson insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to regret that the savings was not a smart move. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.