Car Insurance in Newport, MI - 5 Tricks to Save Money

If you've never shopped for car insurance online, you may be overwhelmed by the sheer number of car insurance companies selling insurance in Newport.

If you have a current car insurance policy or need new coverage, you can follow these tips to find the best rates while maintaining coverages. This article will introduce you to how car insurance quotes work and some tricks to saving. Michigan drivers only need an understanding of how to find the lowest price over the internet.

Automobile Insurance Quotes in Newport, MI

There are multiple methods to shop for car insurance, and some are more efficient than others. You can spend countless hours driving to agents in Newport, or you could use the internet to accomplish the same thing much quicker.

The majority of car insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and at least one company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of system is that you can't choose the providers to get quotes from. If you would rather choose specific providers for rate comparison, we have a listing of companies who write car insurance in Michigan. Click to view list.

Whichever method you choose, make absolute certain that you use the exact same information on every quote. If you use higher or lower deductibles you can't possibly make a fair comparison in Newport.

Don't pay full price with these 5 discounts

Auto insurance companies don't always advertise every discount in an easy-to-find place, so here is a list both the well known and also the lesser-known discounts you could be receiving. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Life Insurance Discount - Larger companies have lower rates if you buy a life insurance policy as well.
  • Multiple Vehicles - Having multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Driver Safety - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.

It's important to understand that some credits don't apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. So despite the fact that it appears you can get free auto insurance, it doesn't quite work that way.

To see a list of insurance companies who offer car insurance discounts in Newport, click here.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your vehicles, there is no "best" method to buy coverage. Your needs are not the same as everyone else's.

Here are some questions about coverages that might point out whether or not you could use an agent's help.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when driving on a suspended license?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy only the required Michigan minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?

If you can't answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

More tips and info about car insurance is available at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to download brochures, find out industry alerts, and file complaints about an insurance agent or broker.