Free Guide to Paying Less for Newberry Auto Insurance Online

Nobody looks forward to paying for auto insurance, especially knowing the price is too high. Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices occasionally since insurance rates are constantly changing. Despite the fact that you may have had the best deal a few years ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

How much can you save with discounts?

Companies that sell car insurance don't necessarily list every available discount in a way that's easy to find, so here is a list some of the best known and also the lesser-known discounts you could be receiving. If you aren't receiving every discount you qualify for, you are throwing money away.

Early Switch Discount - Some companies give discounts for signing up prior to your current policy expiring. It's a savings of about 10%.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Senior Discount - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

It's important to note that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you're out of luck.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that help determine auto insurance rates. Having a good understanding of what influences your rates enables informed choices that can help you get lower auto insurance prices.

Traffic citations inflate rates - Even a single speeding ticket can boost insurance rates twenty percent or more. Careful drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Discounts for multiple policies - Many insurance companies give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, it's still a good idea to compare other company rates to ensure the best deal.
Men pay higher rates - Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men have accidents at about the same rate, but men have costlier accidents. Men also get more serious tickets like reckless driving and DUI. Young males are the most expensive to insure and therefore are the most expensive to insure.
Frequent auto insurance claims increase rates - Insurance companies in Michigan generally give cheaper rates to drivers who are claim-free. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different and your policy should reflect that. For example, these questions might point out if your insurance needs may require specific advice.

Does my car insurance cover rental cars?
Do I need PIP (personal injury protection) coverage in Michigan?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
What can I do if my company won't pay a claim?
Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Michigan drivers get pounded daily by advertisements for cheaper car insurance by State Farm and Allstate. All the ads have a common claim that you can save after switching to their company.

How can each company say the same thing? It's all in the numbers.

All companies have a certain "appetite" for the driver that earns them a profit. An example of a preferred risk might be profiled as over the age of 50, owns a home, and has a short commute. A propective insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will be charged higher rates and this can result in business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can make the claims of big savings. That is why drivers should get quotes from several different companies. It's not possible to predict which company will fit your personal profile best.

For more Michigan car insurance information

Additional detailed information is available at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can file complaints about a company, read consumer alerts, learn about insurance regulations, and download brochures.

In the end, you save

In this article, we covered a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. Regional companies often have lower prices on specific markets compared to the large companies like .

As you shop your coverage around, it's not a good idea to skimp on coverage in order to save money. There have been many cases where an insured cut liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.