7 Discounts Mancelona Drivers Forget when Shopping for Car Insurance

No one enjoys paying for car insurance, particularly when the cost is too high.

Because there are so many choices, it is very difficult to find the lowest price company.

It's important to compare rates occasionally since rates are constantly changing. If you had the best rates a couple years back you can probably find a better price now. There is a lot of wrong information about car insurance on the web, but we're going to give you some great ways to quit paying high car insurance rates.

Mancelona car insurance quote

Save big with these seven discounts

Car insurance is not cheap, but there could be available discounts to help offset the cost. Most are applied when you get a quote, but some may not be applied and must be asked about before you will receive the discount.

  • Braking Control Discount - Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Service Members Pay Less - Having a family member in the military can result in better rates.
  • Good Student - This discount can save 20 to 25%. The good student discount can last up to age 25.
  • Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance from them.
  • More Vehicles More Savings - Insuring multiple cars or trucks with the same company could earn a price break for each car.
  • Low Mileage - Keeping the miles down could qualify for better rates on cars that stay parked.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

To choose providers with the best car insurance discounts in Michigan, click this link.

Car insurance ads bend the truth

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads make the same claim about savings if you move to their company. But how can every company claim to save you money?

Different companies have a certain "appetite" for the driver that makes them money. A good example of a preferred risk might be over the age of 40, owns a home, and drives less than 10,000 miles a year. Any new insured who matches those parameters will get the preferred rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will be charged higher premiums which leads to the customer not buying. The ads state "people who switch" not "people who quote" save that much. That is how companies can truthfully advertise the way they do.

That is why you should compare many company's rates. It's just too difficult to predict which company will provide you with the cheapest rates.

But I don't know anything about car insurance

When buying coverage for your vehicles, there really is no "best" method to buy coverage. Everyone's needs are different so this has to be addressed. These are some specific questions might point out if your situation could use an agent's help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required Michigan minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered if I wreck a rental car?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

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

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Mancelona insurance agents.

Mancelona car insurance quote

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, don't be tempted to buy poor coverage just to save money. Too many times, an insured cut full coverage and found out when filing a claim that the savings was not a smart move. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cheap car insurance is possible both online and also from your neighborhood Mancelona agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.