6 Ways You Can Buy Car Insurance for Less in Flushing

Purchasing the most affordable Flushing car insurance online can be somewhat difficult for beginners to online price comaprisons. With so many choices of online companies available, how can you even start to compare every one to find the lowest price?

It's important to check car insurance prices yearly since rates are constantly changing. Just because you found the best deal last year there is a good chance you can find better rates now. So ignore everything you know about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

Compare Car Insurance Today

The are a couple different ways to compare rate quotes from local Flushing car insurance companies. One of the best ways to compare insurance prices involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get quotes is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate quotation requests to each individual car insurance company. A single, simple form gets you price quotes from car insurance companies with the best prices. It's the fastest way to compare.
A different way to shop for car insurance online requires visiting the website for each individual company to complete their respective quote request forms. For instance, we'll pretend you want comparison quotes from , and . To find out each rate you need to go to every website and enter your policy data, and that's why the first method is more popular.

For a list of links to companies insuring cars in Flushing, click here.
The most time-consuming way to get comparison rates is to spend your day driving to different Flushing agent offices. The internet eliminates the need for an insurance agent unless you have a need for the professional advice only provided by licensed Flushing agents. It is possible to find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

Whichever method you choose, make sure you use exactly the same quote information on every quote you get. If your comparisons have mixed coverages it will be very difficult to determine which rate is truly the best in Flushing. Slightly different limits can make a big difference in price. And when comparing car insurance rates, know that quoting more will increase your chances of finding the best offered rates.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always advertise every available discount in a way that's easy to find, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Life Insurance Discount - Some companies give better rates if you take out auto and life insurance together.
Own a Home - Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
Military Rewards - Being deployed with a military unit may qualify for rate reductions.
Good Student Discount - This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
Organization Discounts - Belonging to a civic or occupational organization may earn a discount on your policy.

It's important to note that some credits don't apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you're out of luck.

To choose providers who offer car insurance discounts in Flushing, click here.

Save $429 a year? Really?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads have a common claim that you can save after switching to them. How can each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the type of driver that makes them money. An example of a preferred risk could be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. Any new 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 qualify for the requirements will be charged a higher premium and this can result in business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save money. This is how insurance companies can claim big savings. That is why you need to get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

Insurance agents can help

When buying proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is unique.

For example, these questions can help discover whether your personal situation will benefit from professional help.

Can I get a multi-policy discount for packaging my home and auto coverage?
What are the financial responsibility laws in Michigan?
Does my policy cover my teen driver if they drive my company car?
Am I covered when pulling a rental trailer?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Michigan?
I have good health insurance, so how much medical payments coverage do I need?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Additional detailed information is available at the Michigan Office of Financial and Insurance Regulation website. Consumers can find out industry alerts, file complaints about an insurance agent or broker, and get help finding coverage.

Final considerations

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Lower-priced car insurance can be sourced from both online companies and with local Flushing insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

You just learned a lot of ways to compare car insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from a smaller regional carrier.