Top 5 Ways to Save Money on Car Insurance in Armada

Shopping for the cheapest Armada car insurance online may be rather challenging for consumers new to buying insurance on the web. When there are so many online companies available, how can consumers possibly compare the different rates to find the best price?

It's important to compare rates yearly since rates are constantly changing. Even if you think you had the lowest price a few years ago you can probably find a better price now. There is a lot of bad advice regarding car insurance on the internet, so we're going to give you some great ways to quit paying high car insurance rates.

If you currently have car insurance, you will be able to cut costs considerably using these methods. The purpose of this article is to teach you the best way to quote coverages. But Michigan car owners do need to know the way companies market insurance on the web because it can help you find the best coverage.

Michigan car insurance

Save big with these 5 discounts

Companies don't list every available discount in a way that's easy to find, so we researched some of the more common and the harder-to-find discounts you could be receiving.

  • Good Student Discount - This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Life Insurance Discount - Select insurance companies reward you with better rates if you take out life insurance from them.
  • Low Mileage - Low mileage vehicles could be rewarded with a substantially lower rate.
  • Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.

Drivers should understand that some credits don't apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates you could get a free car insurance policy, companies wouldn't make money that way.

To choose providers with discount car insurance rates in Armada, click here.

Car insurance ads bend the truth

Companies like State Farm and Allstate consistently run ads on TV and radio. All the ads have a common claim that you'll save big if you change to their company. How can each company make the same claim? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. For instance, a preferred risk could be between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be charged more money and this can result in business going elsewhere. The ad wording is "drivers who switch" not "people who quote" save that much. This is how companies can advertise the way they do. That is why you should compare many company's rates. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

But I don't know anything about car insurance

When buying the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different.

These are some specific questions can help discover if your situation might need an agent's assistance.

  • Should I buy only the required Michigan minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Who is covered when they drive my vehicle?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

More detailed Michigan car insurance information is located at the Michigan Office of Financial and Insurance Regulation website. Consumers can file complaints about a company, file complaints about an insurance agent or broker, and find disaster information.

Michigan car insurance quotes

Affordable insurance is out there

You just learned a lot of ways to save on car insurance. It's most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a lesser-known regional company.

When shopping online for car insurance, it's not a good idea to buy poor coverage just to save money. There have been many cases where consumers will sacrifice collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Budget-conscious car insurance is attainable from both online companies and also from your neighborhood Armada agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.