Find Cheap Coopersville Auto Insurance

Price shopping your Coopersville auto insurance is challenging for consumers not familiar with shopping for insurance online. There are so many companies to choose from that it can quickly become more work than you anticipated to find the best price in Coopersville.

It's important to shop coverage around before your policy renews since insurance rates are constantly changing. Just because you had the best deal on your last policy you can probably find a better price now. So forget all the misinformation about auto insurance because it's time to teach you the proper way to find better rates and still maintain coverage.

Tips to Get Lower Coopersville Rates

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

Listed below are some of the factors used by your company to calculate your rates.

  • High credit ratings translate to low rates - Your credit score is a big factor in your rate calculation. If your credit is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. People with good credit tend to be more responsible than those with poor credit.
  • Too many auto insurance claims drive up costs - Insurance companies in Michigan award lower rates to drivers who do not file claims often. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • A clean driving record saves money - Your driving record has a lot to do with how much you pay for insurance. Even a single speeding ticket can bump up the cost by twenty percent. Drivers who don't get tickets get better rates than bad drivers. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Please use or commuting - The more miles you rack up on your car every year the higher your rates will be. Almost all companies price each vehicle's coverage based on their usage. Cars and trucks left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your auto insurance policy shows how each vehicle is driven, because it can save money.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Occupations like doctors, business owners and financial analysts have higher average rates due to high stress and lengthy work days. Conversely, occupations such as farmers, engineers and homemakers get better rates.
  • Choose a safe vehicle and save - Cars with high safety ratings can get you lower premiums. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.
  • More than one policy can earn a discount - Most insurers give discounts to people who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it's still a good idea to comparison shop to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
  • Theft deterrents lower rates - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.

Michigan auto insurance

These discounts can lower your rates

Companies that sell car insurance don't always advertise every available discount very clearly, so here is a list some of the best known and also the lesser-known savings tricks you should be using.

  • Passive Restraints - Vehicles with factory air bags may earn rate discounts up to 30%.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.
  • Good Students Pay Less - This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • New Vehicle Savings - Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Claim Free - Claim-free drivers can earn big discounts compared to accident-prone drivers.

It's important to note that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like medical payments or collision. So even though it sounds like you can get free auto insurance, you're out of luck.

To choose providers offering auto insurance discounts in Michigan, click here to view.

Are you falling for claims of savings?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads make an identical promise that you can save if you switch your coverage to them. How does each company say the same thing? It's all in the numbers.

All companies can use profiling for the type of customer that makes them money. An example of a preferred risk might be profiled as between the ages of 30 and 50, is a homeowner, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be charged higher premiums and ends up with business not being written. The ad wording is "customers who switch" not "everybody who quotes" save that much money. That's why insurance companies can advertise the savings. That is why you should get quotes from several different companies. It's not possible to predict the company that will fit your personal profile best.

Additional detailed information is available at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can find out industry alerts, download brochures, and file complaints about a company.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Coopersville insurance agents.

Shop smart and save

Throughout this article, we presented some good ideas how you can save on auto insurance. The key thing to remember is the more you quote, the better your comparison will be. Consumers could even find that the lowest rates come from a small mutual company.

People switch companies for a variety of reasons including poor customer service, extreme rates for teen drivers, high prices or even delays in paying claims. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.

When you buy insurance online, make sure you don't buy poor coverage just to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.