Best Way to Find the Cheapest Houghton Auto Insurance

Comparison shopping for Houghton auto insurance is nearly impossible for people who are new to comparing rates online. People have so many options that it can quickly become a real challenge to compare prices in Houghton.

It's important to compare rates once or twice a year because prices are constantly changing. Even if you got the best deal a year ago there may be better deals available now. So forget all the misinformation about auto insurance because you're going to get a crash course in the proper way to properly buy coverages and cut your premium.

If you are paying for car insurance now, you should be able to save some money using this information. Buying affordable protection in Houghton is simple if you know the tricks. Nevertheless, Michigan drivers do need to know how insurance companies price insurance differently and take advantage of how the system works.

Houghton auto insurance quote

Policy discounts you shouldn't miss

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but some must be specifically requested before they will apply.

  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Payment Method - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Discount for New Cars - Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • No Accidents - Claim-free drivers can earn big discounts compared to frequent claim filers.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Auto/Life Discount - Larger companies have better rates if you take out auto and life insurance together.
  • One Accident Forgiven - A handful of insurance companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

Consumers should know that many deductions do not apply to the entire cost. Most only cut specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of providers who offer auto insurance discounts in Houghton, click this link.

Compare the Market for Auto Insurance in Houghton

The are a couple different ways of comparing price quotes and find the best price. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to find the lowest comparison rates is a comparison rater form click to view form in new window. This form keeps you from doing repetitive form submissions to each individual auto insurance company. Taking the time to complete one form gets rate comparisons from multiple companies.It's the quickest way to get rates.

A more difficult way to shop for auto insurance online is spending the time to visit the website for each individual company and complete a new quote form. For sake of this example, we'll pretend you want rates from , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in Houghton, click here.

The hardest way to get comparison rates is to drive around to local Houghton insurance agencies. Buying insurance online makes this process obsolete unless you want the professional guidance only provided by licensed Houghton agents. Drivers can compare online quotes but buy from a local insurance agent. We'll cover that shortly.

It doesn't matter which method you choose, just double check that you are using exactly the same information on every quote. If you enter higher or lower deductibles you can't possibly make a fair comparison in Houghton. Having just a slight variation in coverage limits may result in a large different in cost. It's important to know that getting more free quotes will improve the odds of getting the best price.

Final considerations

While you're price shopping online, it's a bad idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Insureds change insurance companies for a variety of reasons including policy non-renewal, unfair underwriting practices, delays in paying claims and high rates after DUI convictions. No matter why you want to switch, finding a new auto insurance company is not as hard as you think.

Cost effective auto insurance can be purchased online and also from your neighborhood Houghton agents, and you should be comparing both to get a complete price analysis. Some companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.