Tightwads Guide for Saving on Quincy Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you there are many people just like you.

Companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with fancy advertisements and it can be hard to sift through the bull and find the best price available.

It's important to price shop coverage at least once a year because prices are constantly changing. Just because you found the best price two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you're about to find out how to use online quotes to lower your rates without sacrificing coverage.

If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. Finding the best rates in Quincy is easy if you know what you're doing. But Michigan drivers do need to know the way companies sell online and apply this information to your search.

Michigan auto insurance quotes

Compare the Market for Auto Insurance in Quincy

Most companies give coverage price quotes directly from their websites. This process doesn't take a lot of time as you just type in the coverage amounts you desire as detailed in the form. When the form is submitted, the company's rating system will obtain reports for credit and driving violations and generates pricing information. Online quotes makes it a lot easier to compare rates but the time it takes to visit a lot of sites and complete many quote forms is repetitive and time-consuming. But it's very important to compare as many rates as possible in order to get the best price on auto insurance.

A quicker way to find better auto insurance pricing uses one form that obtains quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. As soon as the form is sent, your coverage is rated and you can select your choice of the quotes returned.

If a lower price is quoted, you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend that you enter the coverage information just like they are on your policy. This ensures you will receive a fair comparison for similar insurance coverage.

Are you getting all your discounts?

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you get a quote, but a few need to be specially asked for before you will receive the discount.

  • Auto/Life Discount - Select insurance companies reward you with better rates if you take out life insurance from them.
  • Drive Less and Save - Fewer annual miles can earn better rates on cars that stay parked.
  • Homeowners Discount - Owning a house in Quincy may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Memberships - Participating in a civic or occupational organization could trigger savings on auto insurance.
  • Drivers Ed for Students - Have your child complete a driver education course if it's offered in school.
  • Driver Safety - Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Save over 55 - Mature drivers may be able to get a discount up to 10%.
  • No Claims - Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Discount for Good Grades - A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will reduce the cost of coverage.

To see a list of companies who offer auto insurance discounts in Quincy, click this link.

Much more information about auto insurance in Michigan can be found on the website for the Michigan Office of Financial and Insurance Regulation located here. Michigan consumers can file complaints about an insurance agent or broker, discover disciplinary actions, get help finding coverage, and view a list of available companies.