7 Ways You Can Buy Car Insurance for Less in Stevensville Michigan

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are lots of people in the same boat. There are many to buy insurance from, and even though it's nice to have multiple companies, it makes it harder to compare rates.

It's important to check car insurance prices at least once a year since rates are constantly changing. Just because you found the best deal six months ago you will most likely find a better rate today. So block out anything you think you know about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

This article will tell you how car insurance quotes work and some tricks to saving. If you have car insurance now, you will be able to save some money using this strategy. Michigan consumers only need to know the most efficient way to buy car insurance over the internet.

Are you getting all your discounts?

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be requested specifically before they will apply. If you're not getting every credit possible, you are throwing money away.

Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Drive Less and Save - Fewer annual miles can qualify you for a substantially lower rate.
Sign Online - Certain companies will give a small break for buying your policy over the internet.
No Charge for an Accident - Certain companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers get pounded daily by advertisements that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to have a common claim about savings after switching to them.

How does each company make the same claim?

All companies are able to cherry pick for the type of driver that earns them a profit. An example of a desirable insured could be between the ages of 30 and 50, has no tickets, and has a high credit rating. Any new insured that hits that "sweet spot" will get very good rates and as a result will probably save when switching.

Consumers who are not a match for these standards will have to pay higher rates and this can result in business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save money. That's the way companies can truthfully state the savings.

Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict which car insurance company will have the lowest rates.

Additional information is available on the website for the Michigan Office of Financial and Insurance Regulation located here. Consumers can file complaints about an insurance agent or broker, discover disciplinary actions, get help finding coverage, and learn about insurance regulations.

Best coverage at the best price

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to find the BEST coverage at a price you can afford.

The cheapest car insurance can be sourced from both online companies and with local Stevensville insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

You just learned a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a small local company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as .