Lower Online Kentwood Car Insurance Prices With These Methods

If you've never shopped for car insurance online, it's easy to get overwhelmed due to the large number of car insurance companies offering coverage in Kentwood.

You have some control over your rates

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to big savings.

  • Safer occupants lowers premiums - Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.
  • Bad driving skills means higher rates - Careful drivers receive lower rates than bad drivers. Just one speeding ticket can boost insurance rates twenty percent or more. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • How many coverages with the same company - Most companies provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you may still want to comparison shop to ensure the best deal.
  • Your car's features help determine rates - Owning a car that has an advanced theft prevention system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.

compare Kentwood car insurance rates

How much can you save with discounts?

Insuring your fleet can be pricey, but there could be available discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit.

  • Service Members Pay Less - Having a deployed family member could mean lower rates.
  • Early Signing - A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Theft Prevention System - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Payment Discounts - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Distant Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.

It's important to note that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, you're out of luck. But any discount will reduce the amount you have to pay.

To choose insurance companies offering car insurance discounts in Kentwood, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all say the same thing that you can save if you switch to their company. How can each company claim to save you money?

All the different companies have a certain "appetite" for the driver that makes them money. For example, a driver they prefer might be between the ages of 40 and 55, a clean driving record, and has excellent credit. Any driver who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements will be quoted higher prices which usually ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That is how insurance companies can make those claims.

This emphasizes why you should get a wide range of price quotes. You cannot predict which company will have the lowest rates.

How much car insurance do I need?

When buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Everyone's needs are different.

For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Additional Michigan consumer information

More information can be found on the Michigan Office of Financial and Insurance Regulation website through this link. Visitors are able to find disaster information, file complaints about a company, and read consumer alerts.

Michigan car insurance

Do the work, save more money

Consumers switch companies for many reasons like unfair underwriting practices, high prices, policy non-renewal or even not issuing a premium refund. It doesn't matter what your reason, finding the right car insurance provider is easier than you think.

We just presented a lot of information how to save on car insurance. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the lowest priced car insurance comes from an unexpected company.

While you're price shopping online, it's not a good idea to buy poor coverage just to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.