Proven Techniques to Save on Clyde Auto Insurance

Nobody likes having to buy auto insurance, in particular when they are paying too much.

You have so many to pick from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates.

Choosing the best insurance company for you in Clyde is easy if you know what you're doing. If you have car insurance now, you should be able to cut costs considerably using these techniques. But Michigan drivers do need to know the way companies determine prices because it can help you find the best coverage.

Finding Auto Insurance in Clyde, MI

There are multiple methods to shop for auto insurance, and some are less time-consuming than others. You could spend your day discussing policy coverages with agents in Clyde, or you could use the internet to get prices fast.

All the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and every company provides a quote for coverage. This system prevents you from having to do quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The single downside to using this type of form is you can't choose which companies to get quotes from. If you would rather choose specific providers for rate comparison, we have a page of companies who write auto insurance in Michigan. View list of Michigan insurance companies.

It's up to you how you get prices quotes, just make absolute certain that you use identical deductibles and coverage limits with each company. If you use different values for each quote then you won't be able to make an equal comparison in Clyde. Having just a slight variation in insurance coverages may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices helps you find better pricing.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to lower auto insurance prices.

The list below includes a partial list of the pieces that factor into prices.

Save money with special equipment - Owning a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
How many coverages with the same company - The majority of auto insurance companies provide better rates to customers who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to shop around to confirm you are receiving the best rates possible.
Where do you drive? - The more you drive each year the higher your rate. The majority of insurers apply a rate based on how the vehicle is used. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
Discounts for married couples - Having a wife or husband actually saves money on your auto insurance policy. Having a significant other usually means you are more mature than a single person and statistics show married couples file fewer claims.

Don't pay full price with these discounts

Companies that sell car insurance don't list every discount very clearly, so we researched both well-publicized and also the lesser-known ways to save on auto insurance.

Military Discounts - Having a family member in the military can result in better rates.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
Auto/Life Discount - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Low Mileage Discounts - Keeping the miles down could be rewarded with better rates on cars that stay parked.
Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Sign Early and Save - Some companies give discounts for switching policies before your current policy expires. It can save you around 10%.
Passive Restraints - Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
No Claims - Good drivers with no accidents pay much less when compared to frequent claim filers.
Defensive Driving Course - Completing a course in driver safety can save you 5% or more depending on where you live.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, companies wouldn't make money that way.

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

Your personal situation dictates your coverage

When it comes to choosing the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out whether or not you might need an agent's assistance.

Am I covered when pulling a rental trailer?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
What can I do if my company won't pay a claim?
Does my liability insurance cover pulling a trailer or camper?

If it's difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

More detailed Michigan auto insurance information is located at the Michigan Office of Financial and Insurance Regulation website. Michigan consumers can view a list of available companies, read consumer alerts, file complaints about an insurance agent or broker, and get help finding coverage.

Other useful links include this page for auto insurance prices in Michigan and this page of Clyde insurance agents.

Final considerations

While you're price shopping online, make sure you don't reduce needed coverages to save money. There have been many situations where an insured cut collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

Budget-conscious auto insurance is possible online in addition to many Clyde insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide online quoting and these small, regional companies work with independent agents.