Union Pier Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the crazy number of auto insurance companies in Union Pier? Lot's of other consumers are too. You have so many companies to choose from that it can turn into a lot of work to find better rates.

It's important to shop coverage around at least once a year since insurance rates are constantly changing. Just because you found the best price on your last policy a different company probably has better rates today. Forget all the misinformation about auto insurance because we're going to demonstrate how to use online quotes to properly buy coverages while reducing your premium.

More discounts equal less premium

Companies offering auto insurance don't list all their discounts very clearly, so we took the time to find some of the best known and also the lesser-known auto insurance savings. If you're not getting every credit possible, you are throwing money away.

Sign Online - A few companies give back up to $50 just for signing your application over the internet.
Drive Less and Save - Fewer annual miles can earn lower rates on the low mileage vehicles.
Senior Discount - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Driver Safety - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
Discount for Life Insurance - Some companies give a discount if you purchase life insurance.

It's important to note that most credits do not apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you're out of luck.

Tips to Get Lower Union Pier Rates

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are a few of the "ingredients" used by your company to calculate rates.

Your spouse saves you money - Having a spouse can get you a discount when buying auto insurance. It translates into being more mature and statistics show being married results in fewer claims.
Little extras can really add up - There are a ton of extra coverages that you can buy if you aren't careful. Coverages for personal injury protection, towing coverage and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so eliminate them to save money.
Women pay lower rates - Statistics demonstrate that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Young males are the most expensive to insure and therefore are the most expensive to insure.
Rural vs Urban Areas - Choosing to live in small towns and rural areas can be a good thing when buying auto insurance. City drivers tend to have much more traffic and longer commute times. Fewer people means a lower chance of having an accident.
Keep rates low by being claim-free - Car insurance companies in Michigan provide lower rates to drivers who do not file claims often. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
High credit ratings translate to low rates - Credit history is a big factor in calculating your auto insurance rates. Therefore, if your credit is not that good, you could potentially save money when insuring your by spending a little time repairing your credit. People with good credit tend to be more responsible than those with lower credit scores.
More than one policy can earn a discount - Many companies will give a discount to people who buy several policies from them in the form of a multi-policy discount. Even with this discount, it's still a good idea to compare other company rates to verify if the discount is saving money. You may still find a better deal by splitting coverages up.

Switch companies and save? Really?

Michigan drivers get pounded daily by advertisements that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing that you can save after switching your coverage to them.

How does each company say the same thing? It's all in the numbers.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured might be profiled as between 25 and 40, has no tickets, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and therefore will save when switching.

Potential insureds who do not match these standards will have to pay more money which usually ends up with business not being written. The ad wording is "customers who switch" not "everyone that quotes" save that much money. That's the way insurance companies can advertise the savings. Because of the profiling, drivers should get as many quotes as possible. It's not possible to predict which auto insurance company will fit your personal profile best.

Find out more about auto insurance

Additional detailed information can be found at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can get help finding coverage, discover disciplinary actions, and learn about insurance regulations.

And the best car insurance company is...

Lower-priced auto insurance can be sourced on the web as well as from independent agents in Union Pier, so you should compare both in order to have the best chance of saving money. There are still a few companies who don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, it's very important that you do not skimp on coverage in order to save money. In many cases, an insured dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at the best price.

Consumers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, denial of a claim and even delays in paying claims. It doesn't matter why you want to switch finding a new auto insurance company is less work than it seems.