5 Top Ways to Lower Car Insurance Costs in Edmore

Shopping for the lowest cost Edmore car insurance online can be impossible for consumers not familiar with online price comaprisons. With so many choices of companies competing online, how can consumers possibly compare every company to locate the lowest price available?

It's important to compare prices on a regular basis since rates are constantly changing. Just because you found the best deal a year ago the chances are good that you can find a lower rate today. So just ignore everything you know about car insurance because we're going to show you the only way to find lower rates on car insurance.

Take advantage of discounts

Companies offering auto insurance don't always list all their discounts very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving.

  • Sign Online - Some insurance companies may give you up to $50 just for signing your application over the internet.
  • Multiple Cars - Insuring all your vehicles on the same car insurance policy qualifies for this discount.
  • Life Insurance Discount - Some companies give a discount if you purchase life insurance from them.
  • Memberships - Being a member of a qualifying organization may earn a discount on car insurance.
  • Own a Home - Owning a house in Edmore can save you money because maintaining a house requires personal responsibility.

It's important to note that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, you're out of luck.

To see a list of companies with discount car insurance rates in Michigan, click here.

How to Lower Your Car Insurance Cost in Edmore, Michigan

There are several ways to get quotes from local Edmore car insurance companies. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done in several different ways.

  • The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions for each company. One form submission gets you price quotes from multiple companies. It's definitely the quickest method.
  • A more time consuming way to compare rate quotes requires a trip to each individual company website to complete their respective quote request forms. For instance, we'll pretend you want comparison quotes from , and . You would have to go to every website to input your insurance information, and that's why the first method is more popular.

    To view a list of companies in Edmore, click here.
  • The most time-consuming way of getting rate comparisons is to spend time driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you have a need for the professional advice of a licensed agent. It is possible to obtain prices from the web and still use a local agent and we'll cover that in a bit.

However you get your quotes, ensure you are comparing identical quote information on every quote you get. If you are comparing mixed coverages it will be very difficult to determine which rate is truly the best in Edmore. Slightly different limits can result in a big premium difference. Just remember that comparing a large number of companies helps you find a better price.

Are car insurance companies telling the truth?

Car insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to have a common claim that you can save if you change your coverage to them. How does each company claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of customer that is profitable for them. An example of a desirable insured might be between 30 and 50, insures multiple vehicles, and has excellent credit. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards will have to pay a higher premium and this can result in the customer not buying. Company advertisements say "drivers who switch" not "people who quote" save that much money. This is how insurance companies can make those claims. Because of the profiling, drivers must get as many quotes as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

The best insurance company isn't always the cheapest

Lower-priced car insurance can be sourced both online as well as from independent agents in Edmore, so compare prices from both to have the best selection. Some companies don't offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

While you're price shopping online, make sure you don't reduce coverage to reduce premium. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your aim should be to buy the best coverage you can find for the lowest price.

We just covered a lot of techniques to compare car insurance prices online. It's most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a smaller regional carrier.

Additional detailed information is available at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to get help finding coverage, report car insurance fraud, and file complaints about an insurance agent or broker.

Additional helpful sites include this site for Michigan car insurance information and see this list of insurance agents in Edmore.