6 Shopping Tips Shown to Lower Car Insurance Costs in Mackinaw City
Searching for low-cost Mackinaw City car insurance on the internet is somewhat difficult for people who are new to buying insurance on the web. With so many choices of online companies, how can you even start to compare them all to find the best available price?
Compare Car Insurance Today
There are several ways to compare car insurance quotes, but one way is easier and takes less work. You can spend your afternoon talking to insurance companies in Mackinaw City, or you can stay home and use the web to achieve your goal.
Most of the larger companies enroll in a system that allows shoppers to enter their policy data once, and each company returns a rated price determined by their information. This eliminates the need for quote forms to each individual car insurance company.
To submit your quote information now, click here to open in new window.
The one downside to comparing rates this way is you cannot specify which providers you want pricing from. If you wish to select from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in Michigan. View list of Michigan insurance companies.
It doesn't matter which method you choose, just make sure you use identical coverages on every quote you get. If your comparisons have different limits and deductibles on each one you will not be able to determine which rate is truly the best in Mackinaw City.
Be sure to get all your discounts
Companies offering auto insurance don't list all available discounts very clearly, so we took the time to find some of the more common and the harder-to-find car insurance savings. If you're not getting every credit you deserve, you are paying more than you should be.
- More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
- New Car Discount - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- No Accidents - Drivers who don't have accidents can save substantially when compared with accident-prone drivers.
- Accident Waiver - Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.
- Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Good Student Discount - This discount can earn a discount of 20% or more. This discount can apply up to age 25.
A little note about advertised discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you won't be that lucky.
To choose insurers with the best car insurance discounts in Michigan, follow this link.
Is there truth in advertising?
Consumers can't ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. All the companies say the same thing about savings if you move to their company.
How does each company make the same claim? This is how they do it.
Insurance companies have a preferred profile for the driver that makes them money. For example, a profitable customer could be between 25 and 40, has no prior claims, and drives newer vehicles. Any new insured who fits that profile receives the best rates and is almost guaranteed to save when switching.
Potential customers who don't measure up to these standards must pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully claim big savings. This illustrates why you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.
How do I know if I need professional advice?
When buying the right insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Every insured's situation is different.
For example, these questions can help discover whether or not you would benefit from an agent's advice.
- Am I covered when driving on a suspended license?
- Can I still get insurance after a DUI?
- Will I be non-renewed for getting a DUI or other conviction?
- Does my policy cover me when driving someone else's vehicle?
- Do I need special endorsements for business use of my vehicle?
- Do I need to file an SR-22 for a DUI in Michigan?
- Do I qualify for additional discounts?
If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.
Even more information can be found at the Michigan Office of Financial and Insurance Regulation website. Consumers can report car insurance fraud, file complaints about an insurance agent or broker, and read industry bulletins.
In the end, you save
Cheaper car insurance is definitely available from both online companies and also from your neighborhood Mackinaw City agents, so you should compare both to have the best rate selection. A few companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
When trying to cut insurance costs, never reduce coverage to reduce premium. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that it was a big mistake. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.
Consumers who switch companies do it for any number of reasons including lack of trust in their agent, delays in paying claims, high rates after DUI convictions or even denial of a claim. Regardless of your reason, switching car insurance companies is easier than you think.
