Free Guide to Cutting Costs on Adrian Car Insurance Online

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you you're not the only one. Because you have many choices of insurance companies, it is hard for the average consumer to pick the cheapest insurer.

Locating affordable protection in Adrian can be fairly easy. If you have a current car insurance policy or need new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Michigan drivers only need an understanding of the most effective way to shop for car insurance over the internet.

These discounts can lower your rates

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be specially asked for before you will receive the discount. If you don't get every credit possible, you're paying more than you need to.

Driver's Ed - Have your child successfully complete driver's ed class if it's offered in school.
Low Mileage Discounts - Fewer annual miles could qualify for discounted rates on garaged vehicles.
No Charge for an Accident - Some insurance companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
Senior Citizens - Mature drivers may be able to get a discount up to 10%.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
Passive Restraints - Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.

It's important to understand that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, it doesn't quite work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurance companies who offer car insurance discounts in Michigan, click here to view.

How to Compare Adrian Car Insurance Costs

Most companies quote insurance quotes online. Obtaining pricing doesn't take much effort as you simply type in the coverage amounts you desire as detailed in the form. Once you submit the form, the system will obtain information on your driving record and credit history and returns pricing information based on many factors. This makes it a lot easier to compare rates but the time it takes to visit multiple sites and complete many quote forms can be a bit repetitive. But it's very important to get many rate quotes if you are searching for better car insurance pricing.

There is an easier way!

The preferred way to find better car insurance pricing makes use of a single form that gets prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online quotes much more efficient. As soon as the form is sent, it is quoted and you can select any or none of the price quotes you receive.

If you find a better price you simply finish the application and buy the new coverage. It can be completed in less than 10 minutes and can result in significant savings.

In order to find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you enter the insurance coverages exactly as they are listed on your policy. This makes sure you will have a rate comparison based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to lower car insurance prices.

Save money with special equipment - Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
Extra coverages can waste money - There are a ton of extra coverages that can waste your money when buying car insurance. Things like rental car reimbursement, accident forgiveness and membership fees may be costing you every month. They may seem good initially, but your needs may have changed so remove them from your policy.
Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men are in accidents at a similar rate, but the men have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive car insurance rates.
Multi-policy discounts can save money - Many insurers provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's still a good idea to compare rates to confirm you are receiving the best rates possible. You may still find a better deal by buying car insurance from a different company.
An active claims history can cost you - If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies in Michigan award discounts to policyholders who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, business owners and stock brokers are shown to have the highest rates due to job stress and lengthy work days. On the other hand, occupations such as actors, students and performers pay the least.
Bad driving skills means higher rates - A bad driving record has a big impact on rates. Drivers with clean records get better rates compared to drivers with tickets. Even one citation may increase your cost forty percent or more. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.

Are you falling for claims of savings?

Consumers in Michigan can't get away from ads that promise big savings from companies such as State Farm, Allstate and GEICO. They all make an identical promise of big savings after switching your policy.

But how can every company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the right customer that is profitable for them. A good example of a driver they prefer might be a mature driver, has no tickets, and chooses high deductibles. Any driver who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be quoted more money and ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save that kind of money. That's the way insurance companies can confidently state the savings.

This emphasizes why drivers must quote coverage with many companies. You cannot predict which car insurance company will give you the biggest savings.

In the end, you save

Low-cost car insurance can be sourced both online in addition to many Adrian insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

When buying insurance coverage, do not reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Additional car insurance information can be read on the website for the Michigan Office of Financial and Insurance Regulation found here. Visitors are able to view a list of available companies, discover disciplinary actions, learn about insurance regulations, and read consumer alerts.

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