Buy the Cheapest Brighton Auto Insurance

Paying for high-priced auto insurance can take a big chunk out of your savings account and put the squeeze on your family's finances. Comparison shopping is a smart way to cut your insurance bill.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to shop coverage around yearly since insurance rates are constantly changing. Just because you found the best rates six months ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance on the internet, so we're going to give you some great ways to save money.

Policy discounts you shouldn't miss

Companies that sell car insurance do not advertise every available discount in a way that's easy to find, so the following is a list of some of the best known and also the lesser-known auto insurance savings.

Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Memberships - Affiliation with a civic or occupational organization could qualify you for a break on your policy.
Drivers Ed for Students - Have your child take driver's ed class if offered at their school.
Low Mileage - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Multiple Cars - Buying insurance for all your vehicles on the same auto insurance policy can get a discount on all vehicles.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of providers with discount auto insurance rates in Brighton, follow this link.

How to Get Cheap Auto Insurance in Brighton, MI

The are a couple different ways of comparing rate quotes from local Brighton auto insurance companies. The best method to compare insurance prices is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

The best way to find low rates is a comparison rater form (click to open form in new window). This method keeps you from doing boring form submissions to each individual auto insurance company. A single, simple form gets you price quotes from all major companies.
A less efficient way to shop for auto insurance online requires a trip to the website for each individual company and complete a new quote form. For sake of this example, let's assume you want comparison quotes from , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in Brighton, click here.

Which method you use is up to you, but make sure you use exactly the same quote information on every quote. If each company quotes mixed coverages you can't possibly make a fair comparison in Brighton. 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 increase your chances of finding a better price.

Tips to Get Lower Brighton Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

High credit ratings translate to low rates - Your credit score is a big factor in determining what you pay for auto insurance. People with high credit scores tend to be more responsible as compared to drivers with lower credit ratings. If your credit is low, you could pay less to insure your by improving your credit score.
Please use or commuting - The higher the mileage driven in a year's time the higher your rates will be. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance declarations sheet is rated on the correct usage for each vehicle.
Liability coverage is cheap - Your policy's liability coverage is the protection in the event that a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
More claims means more premium - Insurance companies in Michigan provide cheaper rates to insureds who do not file claims often. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Car features impact rates - Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.

Insurance agents can help

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For example, these questions can help discover whether your personal situation will benefit from professional help.

Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Am I getting all the discounts available?
Is my cargo covered for damage or theft?
Is rental equipment covered for theft or damage?
Is my dog or cat covered if injured in an accident?
Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Save $429 a year? Really?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads say the same thing about savings if you change your coverage to them. How can each company say the same thing? It's all in the numbers.

All the different companies have a preferred profile for the type of customer that is profitable for them. A good example of a preferred risk might be profiled as between the ages of 40 and 55, has no prior claims, and has a high credit rating. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will be charged higher rates which usually ends up with business not being written. The ad wording is "customers who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully state the savings. That is why drivers must get quotes from several different companies. It's not possible to predict which insurance companies will have the lowest rates.

Affordable insurance is out there

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. Too many times, consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

Cheaper auto insurance can be sourced on the web as well as from independent agents in Brighton, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don't offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Learn more about auto insurance in Michigan

Even more information can be read at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can find out industry alerts, file complaints about an insurance agent or broker, find out which companies have the most complaints, and download brochures.