Free Guide to Paying Less for Shelby Auto Insurance Online

No one in their right mind enjoys paying for auto insurance, especially knowing their premiums are through the roof. Because you have many auto insurance companies to choose from, it's nearly impossible to find the lowest price car insurance company.

It's important to compare prices occasionally since insurance rates are constantly changing. If you had the lowest rates on your last policy there is a good chance you can find better rates now. So just forget anything you know (or think you know) about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

Finding affordable coverage in Shelby is quite easy. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. Michigan drivers only need an understanding of the most efficient way to compare company rates online.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get better auto insurance rates.

The list below includes a few of the "ingredients" used by your company to calculate your rates.

Do you know you're credit rating? - Your credit rating is a important factor in determining your rates. People with high credit ratings tend to be more responsible than those with lower credit scores. If your credit can use some improvement, you could save money insuring your by improving your rating.
More than one policy can earn a discount - The majority of insurers give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to verify if the discount is saving money.
Higher safety ratings means cheaper insurance - Safer cars can get you lower premiums. Safer cars protect occupants better and better occupant protection means less money paid by your insurance company passed on to you as lower rates.
Special features that cut premiums - Owning a car with an alarm system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent car theft.

Finding Auto Insurance in Shelby, MI

There are several ways to shop for auto insurance, and some are easier and takes less work. You can spend your afternoon talking to agents in Shelby, or you could save time and use online quoting for quick rates.

Most of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each company can give them a price for coverage. This saves time by eliminating form submissions to each individual auto insurance company.

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

The only drawback to comparing rates this way is you can't choose which providers you want to price. If you would rather choose individual companies for rate comparison, we have a listing of auto insurance companies in Michigan. View list of Michigan insurance companies.

It's your choice how you get your quotes, but make absolute certain that you use apples-to-apples deductibles and coverage limits on every quote you get. If you use different values for each quote it's impossible to determine which rate is truly the best in Shelby.

Be sure to get all your discounts

Companies that sell car insurance don't always list every available discount very well, so we break down some of the best known as well as the least known savings tricks you should be using. If you don't get every credit you qualify for, you are paying more than you should be.

Anti-lock Brake System - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Lower Rates for Military - Being on active duty in the military can result in better rates.
Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
New Vehicle Savings - Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.

It's important to understand that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like you could get a free auto insurance policy, it doesn't quite work that way.

To choose providers with the best auto insurance discounts in Michigan, click here to view.

Is there truth in advertising?

Michigan drivers can't ignore all the ads for cheaper car insurance from the likes of Allstate and Progressive. All the ads make an identical promise of big savings if you move your coverage to them.

But how can every company say the same thing?

Different companies have a certain "appetite" for the type of customer that makes them money. For example, a preferred risk might be profiled as between the ages of 30 and 50, owns a home, and has great credit. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will be charged a higher premium and ends up with business not being written. The ads state "customers that switch" but not "drivers who get quotes" save that much money. That is how insurance companies can confidently advertise the savings. That is why you need to get quotes from several different companies. It's not possible to predict which company will fit your personal profile best.

How do I know if I need professional advice?

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is a little different so your insurance should reflect that For example, these questions might point out whether or not you might need an agent's assistance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?
Can I still get insurance after a DUI?

If you're not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

More tips and info about auto insurance can be found at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can find out industry alerts, read consumer alerts, find disaster information, and view a list of available companies.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Shelby insurance agents.

And the best car insurance company is...

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. Too many times, an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Low-cost auto insurance is possible on the web as well as from independent agents in Shelby, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.