Buy Cheap Okemos Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your savings account and put the squeeze on your family's finances. Doing a price comparison is a great way to cut your insurance bill. You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

It's important to price shop coverage on a regular basis since insurance rates are constantly changing. Just because you found the best rates last year you may be paying too much now. There is a lot of bad information regarding auto insurance online but we're going to give you some great ways to slash your auto insurance rates.

Finding affordable coverage in Okemos is easy if you know what you're doing. If you have a policy now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Michigan vehicle owners just need to know the most effective way to compare rates on the web.

Okemos Auto Insurance Prices Online

Getting better auto insurance pricing can be surprisingly simple. Consumers just need to invest a few minutes comparing rates from different insurance companies. This can be done using a couple different methods.

The first (and easiest) way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate forms for every auto insurance company. One form submission gets you price quotes from several companies.

A harder way to shop for auto insurance online requires a trip to the website for each individual company and request a quote. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in Okemos, click here.

Whichever method you choose, ensure you are comparing identical quote information with every price quote. If you are comparing mixed coverages you can't possibly find the best deal in Okemos.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the factors that play a part in calculating auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that can help you get lower auto insurance prices.

Bundling policies can get discounts - Some insurance companies give discounts to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to shop around to confirm you are receiving the best rates possible.
Having a spouse can save you money - Getting married helps lower the price on auto insurance. Marriage usually means you are more mature than a single person and statistics show married drivers get in fewer accidents.
Liability coverage is peace of mind - Your policy's liability coverage is the protection in the event that a jury decides you are liable for damages caused by your negligence. It provides you with a defense in court starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.
High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the bigger discount you will receive.
Do you work long hours in a high stress job? - Occupations like real estate brokers, social workers and financial analysts are shown to have higher average rates due to stressful work requirements and lengthy work days. Conversely, occupations like pilots, engineers and retirees pay the least.
Better crash test results mean better rates - Cars with high safety ratings get lower rates. Safer cars have better occupant injury protection and better occupant protection translates into savings for insurance companies and thus lower rates.

Policy discounts you shouldn't miss

Companies that sell car insurance don't always advertise every available discount very clearly, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving. If you're not getting every credit you deserve, you're just leaving money on the table.

Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
E-sign - Certain companies give back up to $50 for buying a policy and signing up over the internet.
Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
Own a Home - Being a homeowner can save you money because maintaining a house demonstrates responsibility.
No Claims - Drivers who don't have accidents pay less compared to frequent claim filers.
Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
Discount for Swiching Early - Some companies give discounts for signing up before your current policy expires. The savings is around 10%.
Senior Discount - Older drivers may receive a discount up to 10%.

Consumers should know that some credits don't apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, companies don't profit that way.

For a list of providers with discount auto insurance rates in Michigan, click here.

More detailed Michigan auto insurance information can be read at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can read consumer alerts, get help finding coverage, find out which companies have the most complaints, and report car insurance fraud.

In the end, you save

As you prepare to switch companies, never reduce needed coverages to save money. Too many times, drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Discount auto insurance can be sourced on the web in addition to many Okemos insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.