Tightwads Tips for Saving on Clio Auto Insurance

No one in their right mind likes having to buy auto insurance, in particular when they are paying too much.

There is such a variety of to pick from, and even though it's nice to have a selection, so many choices can make it hard to compare rates.

Clio Auto Insurance Quote Comparison

There are several ways of comparing rate quotes from different Clio insurance companies. The best method to find the lowest rates is to get quotes online. This can be done using a couple different methods.

  • The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form entry for every auto insurance company. A single form will return quotes direct from many companies.
  • A less efficient way to compare rate quotes is to take the time to go to each individual company website and fill out their own quote form. For example, let's say you want to compare , and . To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Clio, click here.

Which method you use is up to you, but make absolute certain that you use identical coverages and limits for every quote you compare. If you have different deductibles you can't possibly determine the best price in Clio. Just a small difference in limits could mean much higher rates. And when quoting auto insurance, remember that having more price comparisons helps you find a lower rate.

Take advantage of discounts

Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be manually applied prior to receiving the credit.

  • Multi-car Discount - Insuring more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Military Discounts - Having a deployed family member could mean lower rates.

Keep in mind that most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down your overall premium however.

To see a list of insurers offering auto insurance discounts in Michigan, follow this link.

How to know if you need help

When choosing coverage for your vehicles, there isn't really a one size fits all plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Does my insurance cover a custom paint job?
  • Should I buy only the required Michigan minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when delivering products for my home-based business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my personal policy cover me when driving my company car?

If you don't know the answers to these questions, you may need to chat with a licensed agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

For more Michigan car insurance information

More information can be read on the website for the Michigan Office of Financial and Insurance Regulation found here. Michigan consumers can report car insurance fraud, find out industry alerts, file complaints about a company, and file complaints about an insurance agent or broker.

Additional helpful sites include this page for Michigan auto insurance and this page for help finding agents in Clio, MI.