Comparison Shop Warren Auto Insurance Prices With These Tips

Buying the most affordable Warren auto insurance on the internet is impossible for beginners to shopping for insurance online. With so many choices of online companies, how can you even start to compare every one to find the best available rates?

Be sure to get all your discounts

Companies do not advertise every discount in a way that's easy to find, so we researched both the well known and also the lesser-known auto insurance savings.

  • Government Employees - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you could get a discount of approximately 10% to 15%.
  • Passive Restraints - Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
  • No Claims - Drivers who don't have accidents pay much less when compared to bad drivers.
  • Own a Home - Simply owning a home may trigger a auto insurance policy discount because owning a home shows financial diligence.
  • Payment Discounts - If you pay your bill all at once instead of paying each month you could save 5% or more.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, auto insurance companies aren't that generous.

To see a list of insurance companies offering auto insurance discounts in Warren, follow this link.

How to Get Cheap Auto Insurance in Warren, MI

Comparing auto insurance rates can take hours if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with local insurance agents in Warren, or you could use online quotes to get rate comparisons in just a few minutes.

Many insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and every company returns a competitive quote based on the submitted data. This eliminates the need for quotation requests to each individual auto insurance company. To submit your quote information now, click to open in new window.

The single downside to using this type of form is you don't know exactly which carriers to get quotes from. If you wish to select specific insurance companies to receive pricing from, we put together a list of companies who write auto insurance in Michigan. Click here for list of insurance companies in Michigan.

It doesn't matter which method you choose, just make sure you use exactly the same coverages and limits with each company. If each company quotes different deductibles then you won't be able to make an equal comparison in Warren. Just a small difference in coverages may result in large price differences. And when comparing auto insurance rates, know that comparing more company's prices will improve the odds of getting a lower rate.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to big savings.

  • High numbers of claims are not good - If you tend to file frequent claims, you can expect higher rates. Companies in Michigan provide cheaper rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
  • Big city or small town - Residing in less populated areas can save you money when talking about auto insurance. Fewer people means reduced accidents as well as less vandalism and auto theft. City drivers have traffic congestion and longer commute times. More time commuting means higher likelihood of an accident.
  • Better credit scores mean better rates - Having a bad credit score is a big factor in determining what you pay for auto insurance. If your credit score is lower than you'd like, you could pay less to insure your by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers who have poor credit.
  • Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Careers like judges, architects and dentists are shown to have the highest average rates due to high stress levels and lots of time spent at work. Other occupations like pilots, historians and homemakers pay the least.
  • Your spouse saves you money - Having a wife or husband can actually save you money when buying auto insurance. Having a significant other usually means you are more responsible and statistics show married drivers get in fewer accidents.

How do I know if I need professional advice?

When choosing the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.

For example, these questions can help discover whether or not you may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won't pay a claim?
  • Does medical payments coverage apply to all occupants?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Is there truth in advertising?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all say the same thing about savings if you switch your policy. How can each company claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the right customer that is profitable for them. For instance, a driver they prefer might be over the age of 50, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will be quoted more money which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the way they do. This emphasizes why drivers must get a wide range of price quotes. It's impossible to know which insurance companies will provide you with the cheapest rates.

Final considerations

Consumers switch companies for a variety of reasons including high rates after DUI convictions, policy non-renewal, poor customer service or an unsatisfactory settlement offer. Regardless of your reason, finding a new auto insurance company is actually quite simple.

When shopping online for auto insurance, it's a bad idea to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

We covered a lot of tips how to compare auto insurance prices online. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Michigan auto insurance quotes

Learn more about auto insurance in Michigan

Even more information is located at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to download brochures, view agent and company licensing information, and find out industry alerts.