Getting Cheaper Harrison Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you're not the only one. Lots of contend for your insurance dollar, so it can be very hard to choose a and uncover the absolute lowest rate

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. Understanding what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

The following are some of the factors auto insurance companies consider when setting prices.

  • Lower rates with optional equipment - Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Do you know your deductibles? - The deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and burglary. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
  • Where do you drive? - Driving more miles in a year the higher your rate. Most insurance companies apply a rate based on their usage. Cars used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your auto insurance coverage is showing the proper vehicle usage, because it can save money.
  • Better crash test results mean better rates - Vehicles with high crash test scores get lower rates. The safest vehicles reduce injuries and lower injury rates means lower claim amounts and lower rates for you.
  • Liability insurance protects assets - Liability coverage provides coverage when a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Being married is a good thing - Being married can get you a discount on auto insurance. Having a significant other means you're more mature and statistics show being married results in fewer claims.

compare Harrison auto insurance rates

Save big with these discounts

Insuring your fleet can be pricey, but you can get discounts to reduce the price significantly. Certain discounts will be applied when you quote, but some must be specifically requested before you get the savings. If they aren't giving you every credit possible, you are paying more than you should be.

  • Payment Method - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Multiple Vehicles - Insuring multiple vehicles with the same company can get a discount on all vehicles.
  • Life Insurance Discount - Some companies give lower rates if you buy life insurance.
  • Low Mileage Discounts - Fewer annual miles can qualify you for a substantially lower rate.
  • No Charge for an Accident - A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.

It's important to note that some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, you're out of luck. But any discount will cut your overall premium however.

To choose insurance companies who offer auto insurance discounts in Harrison, click here.

Auto insurance ads bend the truth

Michigan consumers can't ignore all the ads that promise big savings by State Farm, Allstate and GEICO. They all have a common claim that you can save after switching to their company.

How do they all make almost identical claims? It's all in the numbers.

Insurance companies are able to cherry pick for the driver that makes them money. An example of a driver they prefer could possibly be between the ages of 30 and 50, has no driving citations, and has excellent credit. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside the "perfect" profile will be quoted a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "people who quote" save that much. That's the way insurance companies can make those claims.

This emphasizes why you should get as many quotes as possible. It's impossible to know which auto insurance company will have the lowest rates.

Learn more about Michigan auto insurance

More information is available on the website for the Michigan Office of Financial and Insurance Regulation found here. Michigan consumers can view a list of available companies, report car insurance fraud, file complaints about an insurance agent or broker, and find disaster information.

And the best car insurance company is...

Lower-priced auto insurance can be purchased online and also from your neighborhood Harrison agents, and you should compare price quotes from both to have the best selection. Some companies may not provide online price quotes and these smaller companies work with independent agents.

While you're price shopping online, you should never buy poor coverage just to save money. There have been many situations where someone sacrificed liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.