5 Methods to Save on Car Insurance in Clinton Michigan

Purchasing the cheapest Clinton car insurance over the internet can be intimidating for people who are new to comparison shopping online. Since there are so many insurers to choose from, how can consumers possibly compare them all to find the best available rates?

Save big with these 5 discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. Most are applied when you get a quote, but some may not be applied and must be specially asked for before you will receive the discount. If you don't get every credit you deserve, you are throwing money away.

  • Government Employees - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
  • Life Insurance - Some companies give a break if you buy life insurance from them.
  • Save with a New Car - Insuring a new car is cheaper compared to insuring an older model.
  • Good Student Discount - Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Own a Home - Simply owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.

Keep in mind that most discounts do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. Just because you may think you could get a free car insurance policy, it just doesn't work that way. But any discount will help reduce your overall premium however.

But I don't know anything about car insurance

When it comes to buying coverage for your personal vehicles, there really is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your situation could use an agent's help.

  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required Michigan minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and can help protect your family.

Car insurance ads bend the truth

Consumers in Michigan get pounded daily by advertisements for car insurance savings from the likes of Progressive, Allstate and GEICO. They all make an identical promise that you can save after switching your coverage to them.

But how can every company claim to save you money?

Different companies have a preferred profile for the type of customer that earns them a profit. A good example of a driver they prefer might be over the age of 40, has no prior claims, and chooses high deductibles. Any new insured who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will be quoted higher premiums and ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save that much money. This is how insurance companies can state the savings.

This emphasizes why drivers should get as many comparisons as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

More information can be read on the Michigan Office of Financial and Insurance Regulation website located here. Visitors are able to download brochures, view agent and company licensing information, and read enforcement actions against agents and companies.

Also read more on this online resource for car insurance quotes in Michigan and this list of insurance agents in Clinton.

Michigan car insurance quotes

In the end, you save

People change insurance companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, not issuing a premium refund and even high prices. Whatever your reason, choosing a new insurance company is less work than it seems.

When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

We just covered many tips how you can reduce car insurance prices online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest premiums are with the least-expected company.