Getting Cheap Lathrup Village Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you're not the only one. Drivers have multiple to pick from, and although it's nice to have a choice, it can be more challenging to compare rates.

It's important to take a look at other company's rates at least once a year since insurance rates are constantly changing. Just because you found the lowest price on your last policy you may be paying too much now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the quickest way to eliminate unnecessary coverages and save money.

Comprehensive Lathrup Village Auto Insurance Comparison Quotes

Getting better auto insurance pricing can be quick and easy. Consumers just need to invest a little time comparing rate quotes from different insurance companies. This can be done using a couple different methods.

The first (and easiest) way to get quotes for comparison is a comparison rater form click here to open form in new window. This method eliminates the need for separate quote forms for each company you want a rate for. Completing one form gets you price quotes from many national carriers.

A less efficient way to shop for auto insurance online requires a trip to the website for each individual company to complete their respective quote request forms. For instance, let's say you want to compare rates from , and . To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Lathrup Village, click here.

It doesn't matter which method you choose, just compare identical quote information on every quote you get. If your comparisons have mixed coverages then you won't be able to determine which rate is truly the best in Lathrup Village.

Lathrup Village Rates are Influenced by These Factors

It's important that you understand some of the elements that play a part in calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

More than one policy can earn a discount - Some companies give discounts to people who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's still a good idea to shop around to ensure the best deal. Drivers may still find a better deal by insuring with multiple companies.
Safer occupants lowers premiums - Vehicles with high crash test scores are cheaper to insure. Safer cars reduce injuries and better occupant protection means lower claim amounts and thus lower rates.
Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are collision with another vehicle, damage from fire, or theft. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Where do you drive? - The higher the mileage driven in a year the higher your rates will be. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
Special features that cut premiums - Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
Older drivers save more - Teenage drivers in Michigan have a tendency to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers.
Traffic citations inflate rates - Your driving record has a lot to do with how much you pay for insurance. Even a single citation can boost insurance rates by as much as thirty percent. Careful drivers get better rates than their less careful counterparts. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.

Policy discounts you shouldn't miss

Car insurance is not cheap, but you can get discounts that you may not know about. Some discounts apply automatically when you quote, but less common discounts must be inquired about prior to getting the savings. If you're not getting every credit possible, you're just leaving money on the table.

Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Low Mileage - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
Discount for Good Grades - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of providers with discount auto insurance rates in Michigan, follow this link.

Additional information is located on the website for the Michigan Office of Financial and Insurance Regulation found here. Michigan drivers can read consumer alerts, find disaster information, report car insurance fraud, and file complaints about an insurance agent or broker.

Other useful links include BankRate.com's Car Insurance: When not to Skimp and this Lathrup Village agent directory.

In the end, you save

When you buy insurance online, make sure you don't reduce needed coverages to save money. Too many times, an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Cheaper auto insurance can be sourced on the web and also from your neighborhood Lathrup Village agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.