Buy the Cheapest Hillsdale Car Insurance

Scraping up a payment for overpriced car insurance can overdraw your personal savings and make it hard to pay other bills. Doing a price comparison is a great way to make sure you're not throwing money away.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with TV and radio ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices on a regular basis because rates are constantly changing. Even if you got the best price a year ago you may be paying too much now. Block out anything you think you know about car insurance because you're about to find out the only way to find better coverage at a better price.

If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Hillsdale is easy if you know what you're doing. But Michigan car owners do need to know how companies price online insurance and apply this information to your search.

Hillsdale Car Insurance Prices Online

There are multiple methods to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You could spend your day talking to insurance companies in Hillsdale, or you can utilize the internet to get rates in a matter of minutes.

All the larger companies belong to a marketplace that enables customers to only type in their quote data once, and each participating company then gives them pricing based on that data. This prevents consumers from doing quote forms to each individual car insurance company. To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify which companies to receive prices from. So if you want to choose specific providers to compare rates, we have a page of low cost car insurance companies in Michigan. Click here for list of insurance companies in Michigan.

Whichever method you choose, ensure you are comparing exactly the same coverage limits and deductibles on every quote you get. If you have different liability limits it will be impossible to determine which rate is truly the best in Hillsdale. Slightly different insurance coverages can result in a big premium difference. Just remember that comparing a large number of companies will increase your chances of finding the best rates.

Hillsdale car insurance comparison

How to Lower your Car Insurance Rates

It's important that you understand the factors that go into determining your car insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with lower car insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate rates.

  • Older drivers save more - More mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Young drivers are statistically proven to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.
  • Battle of the sexes - Statistics have proven women are more cautious behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Women and men cause accidents in similar percentages, but the males cause more damage. They also get more serious tickets such as reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • How many coverages with the same company - Most insurance companies will give a discount to policyholders who buy several policies from them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even though this discount sounds good, you may still want to shop around to verify if the discount is saving money.
  • Safer cars are cheaper to insure - Cars with high safety ratings get lower rates. These vehicles protect occupants better and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • How's your driving record? - Drivers who don't get tickets receive lower rates than bad drivers. Even a single ticket can bump up the cost by as much as thirty percent. Drivers who have serious citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Liability coverage is peace of mind - Liability insurance is the protection if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.

Don't pay full price with these discounts

Companies don't list all their discounts in a way that's easy to find, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

  • College Student - Youth drivers who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Accident Waiver - A handful of insurance companies permit an accident without raising rates as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Lower Rates for Military - Being deployed with a military unit could mean lower rates.
  • Good Student Discount - Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • Club Memberships - Belonging to a civic or occupational organization may earn a discount on car insurance.
  • Claim Free - Drivers who don't have accidents can save substantially as compared to frequent claim filers.
  • Own a Home - Owning a house in Hillsdale can save you money because owning a home is proof that your finances are in order.
  • Life Insurance Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.

Consumers should know that some credits don't apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

For a list of companies offering car insurance discounts in Hillsdale, click here.

More detailed Michigan car insurance information can be found at the Michigan Office of Financial and Insurance Regulation website. Consumers can read enforcement actions against agents and companies, learn about insurance regulations, read consumer alerts, and find disaster information.

Shop smart and save

While you're price shopping online, it's not a good idea to reduce needed coverages to save money. There are many occasions where drivers have reduced physical damage coverage only to discover later they didn't purchase enough coverage. Your aim should be to find the BEST coverage at an affordable rate.

Discount car insurance can be found from both online companies as well as from independent agents in Hillsdale, so you should compare both to have the best selection. Some companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.