Tightwads Guide to Saving on Beverly Hills Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your checking account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill.

With so many companies to choose from, it's difficult to pick the cheapest insurance company.

Buying car insurance in Beverly Hills is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Nevertheless, Michigan car owners do need to know the way insurance companies sell online because it can help you find the best coverage.

Take advantage of discounts

Companies offering auto insurance don't always publicize all available discounts very well, so we researched some of the more common and also the lesser-known savings tricks you should be using.

Driver Safety - Taking part in a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
Life Insurance - Larger companies have a break if you buy auto and life insurance together.
Accident Waiver - Some insurance companies allow you one accident before raising your premiums so long as you haven't had any claims for a particular time prior to the accident.
Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
55 and Retired - Mature drivers may be able to get better car insurance rates.
Memberships - Belonging to a professional or civic organization is a good way to get lower rates when buying car insurance.

It's important to understand that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn't quite work that way.

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

How to Get Cheap Car Insurance in Beverly Hills, MI

There are several ways to compare quotes from local Beverly Hills car insurance companies. The best method to find the lowest rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

The best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate quotation requests to each individual car insurance company. A single, simple form gets you price quotes from car insurance companies with the best prices.
Another way to compare rate quotes requires visiting the website for every company you want to comare and fill out their own quote form. For instance, we'll pretend you want comparison quotes from , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker.

To view a list of companies in Beverly Hills, click here.

It's your choice how you get your quotes, but make sure you use apples-to-apples quote information for each comparison quote. If you use mixed coverages you can't possibly determine the lowest rate in Beverly Hills. Quoting even small variations in coverage limits may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best offered rates.

Beverly Hills Rates are Influenced by These Factors

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in big savings.

The following are a partial list of the pieces car insurance companies consider when setting premiums.

Policy add-ons can waste money - There are a ton of add-on coverages that you can get tricked into buying on your policy. Things like roadside assistance, accidental death and term life insurance may be costing you every month. They may seem good initially, but if they're wasting money remove them from your policy.
Please use or commuting - Driving more miles in a year's time the more you'll pay to insure your vehicle. Most insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both tend to get into accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive car insurance rates.
Credit scores impact car insurance rates - A driver's credit history is a big factor in determining what you pay for car insurance. So if your credit rating is not that good, you could pay less to insure your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower credit scores.
How's your driving record? - Careful drivers get better rates compared to drivers with tickets. Even one citation can boost insurance rates by as much as thirty percent. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to keep their license.

How to know if you need help

When choosing the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions can help discover whether your personal situation would benefit from professional advice.

Should I rate my vehicle as pleasure use or commute?
What are the financial responsibility laws in Michigan?
Does my policy cover me when driving someone else's vehicle?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Michigan?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?

If you're not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Are car insurance companies telling the truth?

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies make an identical promise of big savings after switching to their company. But how can every company make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the driver that is profitable for them. For instance, a profitable customer could be a mature driver, has no prior claims, and drives newer vehicles. A customer who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile must pay higher prices and ends up with business going elsewhere. Company advertisements say "customers who switch" not "people who quote" save that much. This is how insurance companies can confidently claim big savings. This illustrates why drivers must get a wide range of price quotes. Because you never know which insurance companies will give you the biggest savings.

The best insurance company isn't always the cheapest

Low-cost car insurance can be sourced from both online companies and also from your neighborhood Beverly Hills agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability coverage limits only to discover later that it was a big mistake. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.

We just showed you many tips how you can compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with a small mutual company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like .

Learn more about car insurance in Michigan

More tips and info about car insurance is located at the Michigan Office of Financial and Insurance Regulation website. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, learn about insurance regulations, and find out industry alerts.

Additional helpful sites include this resource for Michigan car insurance prices and this link which helps you find a Beverly Hills agent.