Car Insurance in Paw Paw Michigan - 9 Tips to Save Money

Are you tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in Michigan.

There is such a variety of to buy insurance from, and although it's nice to be able to choose, so many choices can make it hard to compare rates.

Buying car insurance in Paw Paw is easy if you know what you're doing. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. But Michigan car owners do need to know the methods companies use to price insurance differently.

Save big with these nine discounts

Companies offering auto insurance don't always publicize all available discounts very clearly, so the following is a list of some of the more common and also the lesser-known car insurance savings.

Organization Discounts - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% depending on your company.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
Student in College - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Auto/Home Discount - If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
No Claims - Claim-free drivers pay less when compared with accident-prone drivers.
Drivers Education - Cut your cost by having your teen driver enroll in driver's education if it's offered in school.
Driver Safety - Taking a driver safety course could save 5% or more if your company offers it.
Payment Method - If you pay your bill all at once instead of making monthly payments you could save 5% or more.

Consumers should know that most credits do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, companies don't profit that way.

To choose insurers who offer car insurance discounts in Michigan, follow this link.

Car insurance ads bend the truth

Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies say the same thing that you'll save big after switching your policy. How does each company make the same claim? It's all in the numbers.

Different companies can use profiling for the right customer that makes them money. A good example of a profitable customer could be over the age of 40, is a homeowner, and drives less than 7,500 miles a year. Any new insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards must pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is "customers who switch" not "people who quote" save that kind of money. That's why companies can advertise the way they do. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict the company that will provide you with the cheapest rates.

More detailed Michigan car insurance information can be read at the Michigan Office of Financial and Insurance Regulation website. Consumers can find out which companies have the most complaints, download brochures, view agent and company licensing information, and read enforcement actions against agents and companies.

Affordable insurance is out there

Discount car insurance can be purchased from both online companies in addition to many Paw Paw insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, it's very important that you do not buy poor coverage just to save money. In too many instances, an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.