Top 9 Ways to Get Lower Rates on Car Insurance in Troy, MI

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, there are lots of people in the same boat.

Since consumers have many online and local companies to choose from, it can be hard to pick the lowest price car insurance company.

This article will tell you the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Although Michigan car owners do need to know the methods companies use to market insurance on the web.

compare Troy car insurance rates

How to Compare Troy Car Insurance Costs

There are multiple methods to compare car insurance prices but one way is more efficient than others. You can spend countless hours talking about coverages with agents in Troy, or you could save time and use online quoting for quick rates.

The majority of car insurance companies enroll in a system that enables customers to submit one quote, and at least one company provides a quote based on that data. This prevents consumers from doing quote requests to each individual car insurance company.

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

The one disadvantage to using this type of system is that you can't choose the providers to get quotes from. So if you want to select specific providers for rate comparison, we put together a list of car insurance companies in Michigan. Click here to view list.

However you get your quotes, compare apples-to-apples coverage limits on every quote. If you have differing limits it will be impossible to make a fair comparison in Troy. Slightly different coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Don't pay full price with these nine discounts

Insuring your fleet can be pricey, but you can get discounts to help bring down the price. Most are applied when you complete an application, but some may not be applied and must be manually applied before they will apply.

  • Driver's Ed - Have your child successfully complete driver's ed class if offered at their school.
  • Low Mileage Discounts - Low mileage vehicles could qualify for a substantially lower rate.
  • Safety Course Discount - Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Homeowners Discount - Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • No Accidents - Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Pay Now and Pay Less - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Life Insurance Discount - Companies who offer life insurance give a break if you buy a life insurance policy as well.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce your premiums.

To see a list of insurance companies with discount car insurance rates in Michigan, click here.

Additional information can be read on the website for the Michigan Office of Financial and Insurance Regulation located here. Consumers can view a list of available companies, find disaster information, discover disciplinary actions, and file complaints about a company.

Additional helpful sites include this site for car insurance rates in Michigan and this list of insurance agents in Troy, MI.