Clawson Auto Insurance For Less Than You're Paying Now

Finding affordable Clawson auto insurance is challenging for people who are new to shopping for insurance online. Drivers have so many options available that it can turn into a ton of work to compare prices in Clawson.

It's important to compare prices before your policy renews since insurance rates are constantly changing. If you had the best rates last year you may be paying too much now. Don't believe everything you read about auto insurance online, so I'm going to show you some great ways to slash your auto insurance rates.

Finding the best rates in Clawson is easy if you know what you're doing. If you are insured now or need a new policy, you can use these techniques to find better prices while maximizing coverage. Michigan vehicle owners just need to know the tricks to buy auto insurance online.

Comparison of Auto Insurance in Clawson

Most major insurance companies like GEICO, State Farm and Progressive give coverage prices on their websites. Getting online quotes is quite simple as you just type in as detailed in the form. Behind the scenes, their system will obtain information on your driving record and credit history and returns a price quote based on these and other factors.

This helps simplify price comparisons, but the process of having to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to get the best price on auto insurance.

The easy way to compare rates

A less time-consuming method to lower your auto insurance bill requires only one form that obtains quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable. After sending your information, your coverage is rated and you are able to buy any one of the returned quotes. If the quotes result in lower rates, you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you type in deductibles and limits just like they are on your policy. This way, you are getting rate quotes based on similar coverages.

Michigan auto insurance quotes

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that come into play when calculating auto insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

  • The more you drive the more you pay - The more you drive every year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance policy shows the correct driver usage.
  • Rates may be lower depending on your job - Jobs such as real estate brokers, architects and financial analysts tend to have higher average rates attributed to stressful work requirements and long work days. Conversely, occupations such as farmers, engineers and the unemployed receive lower rates.
  • Save money with special equipment - Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Marriage brings a discount - Getting married actually saves money when buying auto insurance. It means you're more mature than a single person and it's statistically proven that drivers who are married are more cautious.
  • Your location affects your rates - Being located in small towns and rural areas can be a good thing when buying auto insurance. City drivers have to deal with much more traffic and longer commute times. Fewer drivers translates into fewer accidents and a lower car theft rate.
  • Traffic citations inflate rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one ticket can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Don't sacrifice liability coverage - The liability section of your policy will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Sex matters - The statistics show that women are safer drivers than men. However, don't assume that men are worse drivers. Both sexes are in accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.

Are you getting all your discounts?

Companies don't always advertise all their discounts very clearly, so the following is a list of some of the best known and the more hidden auto insurance savings. If you're not getting every credit available, you're just leaving money on the table.

  • New Vehicle Savings - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • No Accidents - Claim-free drivers pay less as compared to frequent claim filers.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • One Accident Forgiven - Certain companies permit an accident without raising rates as long as you don't have any claims for a set time period.
  • Bundle and Save - When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Good Students Pay Less - Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Club Memberships - Affiliation with a qualifying organization could qualify you for a break on auto insurance.
  • Employee of Federal Government - Simply working for the federal government could cut as much as 10% off with select insurance companies.
  • Senior Discount - Older drivers can possibly qualify for better auto insurance rates.
  • Service Members Pay Less - Having a deployed family member can result in better rates.

Drivers should understand that most credits do not apply to the entire cost. Most only apply to 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, companies wouldn't make money that way.

For a list of companies with the best auto insurance discounts in Michigan, follow this link.

More detailed Michigan auto insurance information can be read at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can file complaints about an insurance agent or broker, read industry bulletins, and view a list of available companies.

Other useful links include Auto Insurance 101 and this page where you can research Clawson insurance agents.

And the best car insurance company is...

As you prepare to switch companies, make sure you don't reduce needed coverages to save money. In many instances, an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Consumers who switch companies do it for many reasons like delays in paying claims, high rates after DUI convictions, unfair underwriting practices and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right auto insurance provider is not as hard as you think.

Budget-conscious auto insurance is possible on the web and also from your neighborhood Clawson agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and most of the time these small insurance companies sell through independent agents.