Free Guide to Paying Less for Edwardsburg Auto Insurance Online

Expensive auto insurance can empty your bank account and make it hard to pay other bills. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

How much can you save with discounts?

Car insurance companies don't list all available discounts in a way that's easy to find, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If you aren't receiving every discount you deserve, you are throwing money away.

  • Multi-car Discount - Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Student in College - Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Anti-theft Discount - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education in school.
  • Military Rewards - Being deployed with a military unit could mean lower rates.

It's important to note that some credits don't apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it's possible to get free car insurance, you're out of luck.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique and your policy should reflect that. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What are Michigan no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • What companies insure drivers after a DUI or DWI?

If you can't answer these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and can provide invaluable advice.

Save 15 percent in 15 minutes? Is it for real?

Michigan drivers get pounded daily by advertisements for car insurance savings by companies like Allstate, GEICO and Progressive. All the companies have a common claim that you can save if you switch to them.

How can each company say the same thing?

All companies have a preferred profile for the type of driver that earns them a profit. For example, a profitable customer might be profiled as a mature driver, insures multiple vehicles, and has excellent credit. A propective insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements must pay a more expensive rate and this can result in business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save money. This is how insurance companies can make those claims. This illustrates why you should get as many comparisons as possible. It's not possible to predict which insurance companies will have the lowest rates.

Additional detailed information can be found at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can report car insurance fraud, read enforcement actions against agents and companies, read consumer alerts, and download brochures.

Edwardsburg auto insurance comparison

Best coverage at the best price

Lower-priced auto insurance can be found on the web and with local Edwardsburg insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, it's not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.