Comparing Cheap Carney Car Insurance

Have you had enough of being strong-armed each month for car insurance? Your situation is no different than many other Michigan consumers. You have so many to buy insurance from, and although it's a good thing to be able to choose, lots of choices makes it harder to compare rates.

It's important to shop coverage around before your policy renews because rates are constantly changing. Even if you got the best deal on your last policy you can probably find a better price now. So forget all the misinformation about car insurance because you're going to learn the proper way to find better rates and still maintain coverage.

This article will let you in on how car insurance quotes work and some money-saving tips. If you have car insurance now, you should be able to save some money using these techniques. Michigan consumers only need to know the proper way to find the lowest price over the internet.

Tips to Get Lower Carney Rates

Consumers need to have an understanding of the rating factors that help determine your car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with lower car insurance prices.

The following are some of the factors used by your company to calculate rates.

  • Do men or women drive better? - The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men cause accidents at about the same rate, but the males have costlier accidents. They also have more aggressive citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Frequent car insurance claims increase rates - If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Michigan give lower rates to insureds who do not file claims often. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • More miles equals more premium - Driving more miles every year the more you will pay for car insurance. Almost all companies rate vehicles based upon how you use the vehicle. Autos left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage shows the proper vehicle usage, because it can save money.
  • How's your driving record? - Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don't get tickets receive lower rates compared to drivers with tickets. Only having one moving violation can bump up the cost by twenty percent. Drivers who have flagrant citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Don't skimp on liability - Liability coverage will protect you if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Don't buy coverages you don't need - There are a ton of extra bells and whistles that you can buy on your policy. Coverages for personal injury protection, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment at first, but now you might not need them so eliminate them to save money.
  • Being married can save on car insurance - Being married can get you a discount on your car insurance policy. It translates into being more responsible and it's statistically proven that drivers who are married are more cautious.
  • Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage caused by hail, and burglary. Physical damage deductibles are how much you are required to spend if you file a covered claim. The more money you have to pay, the less your company will charge you for insurance.

Carney car insurance comparison

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically when you get a quote, but some must be inquired about before you will receive the discount. If you're not getting every credit available, you are paying more than you should be.

  • 55 and Retired - If you're over the age of 55, you may be able to get a small decrease in premiums.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • One Accident Forgiven - Certain companies permit an accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Air Bag Discount - Factory air bags may earn rate discounts of 20% or more.
  • Driver Safety - Completing a driver safety course could save 5% or more if your company offers it.
  • Good Students Pay Less - This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your premiums.

To choose companies who offer car insurance discounts in Michigan, click this link.

The car insurance bait and switch

Consumers can't ignore all the ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings after switching your coverage to them.

How does each company make the same claim?

All companies can use profiling for the type of customer that makes them money. An example of a desirable insured could be between 25 and 40, is a homeowner, and has great credit. A customer who matches those parameters will get the preferred rates and therefore will save when switching.

Drivers who don't measure up to these standards will have to pay higher premiums which leads to business going elsewhere. The ads state "people who switch" not "everyone that quotes" save that much money. That's why companies can truthfully advertise the savings.

Because of the profiling, you should get as many comparisons as possible. Because you never know the company that will fit your personal profile best.

Learn more today

Additional information is available on the website for the Michigan Office of Financial and Insurance Regulation through this link. Consumers can learn about insurance regulations, download brochures, file complaints about an insurance agent or broker, and file complaints about a company.

In the end, you save

When you buy insurance online, never buy poor coverage just to save money. There are many occasions where an accident victim reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate.

The cheapest car insurance can be purchased from both online companies as well as from independent agents in Carney, so you should compare both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and most of the time these smaller companies sell through independent agents.