Easy Tips to Spend Less on Charlevoix Auto Insurance

Are you intimidated by the number of auto insurance options in Charlevoix? Many other consumers are too. Consumers have so many companies to choose from that it can turn into a challenge to find lower rates.

It's important to do rate comparisons every six months since insurance rates are constantly changing. Even if you got the best deal a few years ago there may be better deals available now. So just block out anything you think you know about auto insurance because it's time to teach you the proper way to remove unneeded coverages and save money.

Michigan auto insurance quotes

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all their discounts very well, so here is a list some of the best known and the more hidden auto insurance savings.

  • Discount for Life Insurance - Some companies give a break if you buy life insurance.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Military Rewards - Having a deployed family member could mean lower rates.

Keep in mind that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, it just doesn't work that way.

For a list of companies offering auto insurance discounts in Michigan, follow this link.

How to Compare Auto Insurance Quotes in Charlevoix, Michigan

The are a couple different ways of comparing rate quotes from auto insurance companies in your area. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished in a couple of different ways.

One of the best ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This method saves time by eliminating repetitive form entry for each company you want a rate for. Filling out one form compares rates direct from many companies. Just one form and you're done.

A less efficient way to shop for auto insurance online is going to the website for each individual company to complete a price quote. For instance, we'll pretend you want to compare rates from , and . To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.

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

The least efficient method to compare rates to and from local insurance agencies. The internet makes this process obsolete unless you prefer the professional advice that only a license agent can provide. You can, however, compare online quotes but buy from a local insurance agent and we'll touch on that later.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage limits and deductibles for every company. If you are comparing different liability limits it will be next to impossible to decipher which rate is best in Charlevoix. Just a small difference in limits can mean a large discrepancy in price. Just remember that more quotes gives you a better chance of getting the best rates.

Affordable insurance is out there

As you shop your coverage around, don't be tempted to sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate.

Affordable auto insurance can be found on the web and with local Charlevoix insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and most of the time these smaller companies sell through independent agents.

In this article, we covered a lot of information how to get a better price on auto insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even discover the lowest premiums are with a company that doesn't do a lot of advertising.