Free Guide to Paying Less for Sparta Car Insurance Online

Have you had enough of not being able to afford each month for car insurance? Your situation is no different than many other Michigan consumers. You have so many to buy insurance from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

This article will instruct you on the most effective way to quote insurance and some tips to save money. If you have car insurance now, you will be able to reduce your rates substantially using this information. Michigan vehicle owners just need to know the most efficient way to compare company rates online.

Be sure to get all your discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be applied at quote time, but some may not be applied and must be asked for in order for you to get them. If you're not getting every credit available, you are throwing money away.

Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
Lower Rates for Military - Being deployed with a military unit could mean lower rates.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
Senior Citizens - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
Defensive Driver - Completing a defensive driving course could save 5% or more if you qualify.
Save with a New Car - Adding a new car to your policy is cheaper since new cars are generally safer.
Seat Belt Usage - Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
Claim Free - Claim-free drivers pay less when compared to drivers who are more careless.

Consumers should know that some credits don't apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don't profit that way. But all discounts will bring down the amount you have to pay.

Tips to Get Lower Sparta Rates

Smart consumers have a good feel for the factors that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower car insurance prices.

Listed below are some of the items used by your company to calculate prices.

Frequent car insurance claims increase rates - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Companies in Michigan generally give lower rates to people who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.
Lower rates with optional equipment - Driving a car with an alarm system can get you a discount on your car insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Multiple policies with one company can save - Most insurance companies provide better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to verify if the discount is saving money. You may still be able to find better rates by buying insurance from more than one company.
Having a spouse can save you money - Getting married can actually save you money on car insurance. Having a significant other translates into being more mature than a single person and it's proven that drivers who are married are more cautious.
Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men have accidents at a similar rate, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
Extra add-on coverages are wasting money - There are many extra bells and whistles that can waste your money when buying car insurance. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.
Pleasure use saves money - The more miles you rack up on your car every year the higher your rate. Almost all companies charge to insure your cars based on how the vehicle is used. Cars left parked in the garage get more affordable rates compared to those used for work or business. Make sure your car insurance policy shows how each vehicle is driven.

Is there truth in advertising?

Consumers in Michigan get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. They all have a common claim that you'll save big if you switch your coverage to them.

How does each company claim to save you money?

All companies can use profiling for the type of customer that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, has no tickets, and drives newer vehicles. Any driver that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards will be quoted more money and this can result in the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that much money. That's why companies can claim big savings.

This emphasizes why drivers should compare many company's rates. You cannot predict the company that will give you the biggest savings.

More Michigan car insurance information

Much more information about car insurance in Michigan can be read on the website for the Michigan Office of Financial and Insurance Regulation located here. Visitors are able to download brochures, view a list of available companies, read consumer alerts, and get help finding coverage.

And the best car insurance company is...

When trying to cut insurance costs, never skimp on coverage in order to save money. There have been many situations where an insured dropped collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

Discount car insurance can be found both online as well as from independent agents in Sparta, and you should compare price quotes from both in order to have the best chance of saving money. A few companies don't offer you the ability to get quotes online and these small insurance companies work with independent agents.