How to Get the Cheapest Jonesville Auto Insurance

If you're new to shopping for auto insurance online, it's easy to be confused because of the huge number of auto insurance companies competing for business in Jonesville.

If you currently have a car insurance policy, you should be able to save some money using these methods. This information will familiarize you with how car insurance quotes work and some tricks to saving. Nevertheless, Michigan consumers do need to know the way insurance companies market insurance on the web and take advantage of how the system works.

Take advantage of discounts

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but some must be requested specifically before you get the savings.

Military Discounts - Having a family member in the military could be rewarded with lower premiums.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
Low Mileage Discounts - Low mileage vehicles can qualify you for better rates on cars that stay parked.
Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you could save 5% or more.
Homeowners Savings - Simply owning a home may earn you a small savings because maintaining a house requires personal responsibility.
No Claims - Good drivers with no accidents can earn big discounts when compared to bad drivers.
Multiple Cars - Insuring all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.

It's important to understand that many deductions do not apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will reduce your overall premium however.

To see a list of insurance companies with discount auto insurance rates in Jonesville, click this link.

Auto Insurance Comparison Rates in Jonesville, MI

There are several ways of comparing rates from different Jonesville insurance companies. The best method to find the cheapest insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

The best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do boring form submissions for each company you want a rate for. Just one form will get you price quotes from all major companies. It's the fastest way to compare.
A slightly less efficient method to compare rate quotes requires a visit to the website of each company to complete their respective quote request forms. For example, let's say you want to compare , and . To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular. To view a list of companies in Jonesville, click here.
The hardest method of getting rate comparisons is driving to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you require the professional guidance that only a license agent can provide. Drivers can obtain prices from the web and still use a local agent. We'll cover that shortly.

It doesn't matter which method you choose, just be sure to compare exactly the same coverage limits on every quote you get. If you compare differing limits it's not possible to determine which rate is truly the best in Jonesville. Having just a slight variation in coverage limits could mean much higher rates. Keep in mind that having more price comparisons will increase your chances of finding better pricing.

Understand what determines the rate you pay

An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Shown below are some of the factors that factor into prices.

High crash test scores lower rates - Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.
Cautious drivers pay less - Drivers with clean records have lower premiums than their less careful counterparts. Only having one citation may increase your cost twenty percent or more. If you have dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
Lower rates with optional equipment - Owning a car with an alarm system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
Your stress level may be raising your rates - Careers like doctors, executives and dentists are shown to have the highest average rates because of job stress and long work days. Other professions such as scientists, historians and retirees pay the least.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

Do I have coverage when using my vehicle for my home business?
Can I rate high risk drivers on liability-only vehicles?
Is my dog or cat covered if injured in an accident?
What can I do if my company won't pay a claim?
Does my policy cover my teen driver if they drive my company car?
Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don't have a local agent, simply complete this short form.

Are auto insurance companies telling the truth?

Auto insurance providers like State Farm, Allstate and GEICO consistently run ads on TV and radio. They all make the same claim of big savings if you change your policy. How can each company claim to save you money?

Insurance companies have a certain "appetite" for the right customer that is profitable for them. An example of a driver they prefer might be a mature driver, a clean driving record, and has a high credit rating. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will save when they switch companies.

Drivers who don't qualify for the requirements will be quoted a higher premium which leads to the customer not buying. The ads say "customers that switch" not "people who quote" save that kind of money. That is how insurance companies can confidently state the savings.

This emphasizes why drivers must compare as many rates as you can. It's impossible to know which company will have the lowest rates.

The best insurance company isn't always the cheapest

Insureds leave their current company for a number of reasons such as unfair underwriting practices, poor customer service, delays in responding to claim requests or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is actually quite simple.

We covered many ideas to compare auto insurance prices online. It's most important to understand that the more providers you compare, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with the least-expected company.

Low-cost auto insurance is attainable both online in addition to many Jonesville insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

Additional Michigan consumer information

Additional auto insurance information is available on the Michigan Office of Financial and Insurance Regulation website located here. Visitors are able to find disaster information, file complaints about a company, and view a list of available companies.