Buy Cheap Oak Park Auto Insurance

Paying for high-priced auto insurance can dwindle your personal savings and make it hard to pay other bills. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

You have multiple to buy insurance from, and although it's a good thing to have a choice, having more makes it harder to compare rates.

Where Can I Get Cheap Oak Park Auto Insurance?

The are a couple different ways of comparing price quotes from local Oak Park auto insurance companies. The recommended way to find the lowest rates is to perform an online rate comparison. This can be accomplished in several different ways.

The first (and easiest) way to get the best comparison quotes is a comparison rater form (click to open form in new window). This form saves time by eliminating repetitive form entry for each company. A single, simple form compares rates direct from many companies.

A more difficult way to shop for auto insurance online is going to each individual company website to complete a price quote. For example, we'll assume you want comparison quotes from , and . You would have to visit each site and enter your information, and that's why the first method is more popular. For a list of links to companies insuring cars in Oak Park, click here.

The hardest way to compare rates is to spend your day driving to local insurance agencies. The internet makes this process obsolete unless you have a need for the trained guidance of a licensed agent. Drivers can compare the best prices online but buy from a local insurance agent. We'll cover that shortly.

It's up to you how you get prices quotes, just make sure you use identical coverage limits and deductibles with each company. If you have different liability limits it will be very difficult to make an equal comparison in Oak Park. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that more quotes helps locate the best rates.

Why some people pay less for insurance in Oak Park

It's important that you understand the rating factors that go into determining the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in better auto insurance rates.

  • Higher deductibles cost less - Physical damage deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more money you're willing to pay, the bigger discount you will receive.
  • Where you live can impact rates - Residing in a small town is a positive aspect when insuring your vehicles. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • Discounts for multiple policies - Most auto insurance companies will award you with lower prices to customers who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to shop around to make sure you are getting the best deal.
  • Older drivers save more - Teen drivers in Michigan are statistically proven to get distracted easily when driving so they pay higher auto insurance rates. If you've ever had to add a young driver to your policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and are safer drivers.
  • Your job and insurance rates - Did you know that where you work can have an impact on rates? Occupations such as doctors, executives and financial analysts tend to pay higher average rates in part from high stress levels and long work hours. Conversely, occupations like pilots, engineers and homemakers have the lowest average rates.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you may find discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Multi-car Discount - Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Auto/Home Discount - When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Save over 55 - Older drivers may qualify for reduced rates.
  • Accident Free - Drivers who don't have accidents can earn big discounts when compared with frequent claim filers.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of insurers offering auto insurance discounts in Michigan, click this link.

Insurance agents can help

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Everyone's situation is unique so this has to be addressed. For example, these questions can help discover whether your personal situation will benefit from professional help.

  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Michigan?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving in Canada or Mexico?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Additional information is available on the website for the Michigan Office of Financial and Insurance Regulation. Click here for link. Michigan consumers can report car insurance fraud, view agent and company licensing information, read consumer alerts, and read enforcement actions against agents and companies.

Michigan auto insurance quotes

Shop smart and save

Cheaper auto insurance can be found online and with local Oak Park insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.