Free Guide to Paying Less for Beaverton Auto Insurance Online

Nobody likes having to buy auto insurance, especially knowing they are paying too much. Drivers have so many to pick from, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices occasionally since insurance rates are constantly changing. Even if you think you had the best rates two years ago there is a good chance you can find better rates now. Don't believe everything you read about auto insurance online but I'm going to show you some great ways to reduce your auto insurance bill.

Finding affordable coverage in Beaverton is quite easy. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Michigan drivers only need an understanding of the most effective way to compare company rates on the web.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

Shown below are some of the items used by your company to calculate rates.

Teen drivers pay high rates - Teenage drivers in Michigan have a tendency to be more careless behind the wheel so they pay higher auto insurance rates. Parents adding a teenage driver onto a policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
Multi-policy discounts can save money - Some companies will give a discount to people who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it's still a good idea to comparison shop to verify if the discount is saving money.
Don't get talked into coverage you don't need - There are quite a few additional coverages that you can buy if you aren't careful. Coverages for vanishing deductibles, towing coverage and additional equipment coverage are examples of these. They may seem good initially, but now you might not need them so eliminate them to save money.
Where do you drive? - The higher the mileage driven each year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage determined by how the vehicle is used. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance declarations sheet shows the correct usage for each vehicle.

Finding Auto Insurance Deals in Beaverton, MI

There are several ways to shop for auto insurance, and some are more efficient than others. You can spend your afternoon talking about coverages with insurance agencies in Beaverton, or you could use the web to get prices fast.

Most of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing for coverage. This eliminates the need for quote requests to each individual auto insurance company.

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

The one disadvantage to using this type of system is you are unable to specify which providers to receive prices from. If you would rather choose individual companies to compare rates, we have a listing of companies who write auto insurance in Michigan. Click here to view list.

Whichever way you use, make absolute certain that you use identical coverage limits on every quote. If you use differing limits then you won't be able to make a fair comparison in Beaverton.

Be sure to get all your discounts

Auto insurance companies don't list all their discounts very clearly, so the following is a list of some of the best known and also the lesser-known auto insurance savings. If you're not getting every credit you qualify for, you are paying more than you should be.

College Student - Children living away from home attending college and don't have a car can receive lower rates.
Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Safety Course Discount - Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
New Vehicle Savings - Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Multiple Cars - Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
Claim Free - Good drivers with no accidents pay less as compared to accident-prone drivers.
Passive Restraints - Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies don't profit that way.

To choose companies with discount auto insurance rates in Michigan, follow this link.

Is there truth in advertising?

Michigan drivers can't ignore all the ads for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings if you change your coverage to them.

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

Different companies have a certain "appetite" for the type of customer that makes them money. A good example of a desirable insured might be profiled as a mature driver, owns a home, and chooses high deductibles. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will have to pay higher rates which usually ends up with business not being written. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That is how insurance companies can confidently state the savings. Because of the profiling, you need to quote coverage with many companies. It's not possible to predict which company will give you the biggest savings.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn't really a one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions might point out whether or not you would benefit from professional advice.

What are Michigan no-fault laws?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I rate my vehicle as pleasure use or commute?
Who is covered when they drive my vehicle?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?
Can I still get insurance after a DUI?

If you don't know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

More tips and info about auto insurance can be read at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can read enforcement actions against agents and companies, read consumer alerts, discover disciplinary actions, and file complaints about an insurance agent or broker.

Other informative sites include Auto Insurance 101 and this page of insurance agents in Beaverton.

And the best car insurance company is...

When buying insurance coverage, make sure you don't reduce coverage to reduce premium. There are many occasions where an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at the best price.

Cost effective auto insurance is attainable on the web as well as from independent agents in Beaverton, and you need to price shop both to get a complete price analysis. Some insurance companies don't offer online price quotes and most of the time these small insurance companies sell through independent agents.