Compare Marion Car Insurance Prices With These Tricks

Are you overwhelmed by the number of car insurance options in Marion? Many other drivers are as well. Drivers have so many options that it can turn into a real hassle to find the best price.

Buying the lowest cost car insurance in Marion is simple if you know the tricks. In a nutshell, every driver who carries car insurance stands a good chance to be able to reduce their rates. Although Michigan consumers do need to know how the larger insurance companies market insurance on the web and take advantage of how the system works.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but some must be specifically requested prior to getting the savings.

  • No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Low Mileage Discounts - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Distant Student - Children who live away from home and don't have a car can receive lower rates.
  • Paperwork-free - Certain companies may give you up to $50 for buying your policy over the internet.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to individual premiums such as comp or med pay. So when it seems 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.

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

Car insurance providers like Progressive, Allstate and GEICO consistently run television and radio advertisements. They all say the same thing about savings if you change to their company. How does each company claim to save you money?

All companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer might be between the ages of 40 and 55, has no tickets, and has excellent credit. Any driver who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully make those claims.

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

Find out more about car insurance

Additional information is available on the Michigan Office of Financial and Insurance Regulation website located here. Visitors are able to read industry bulletins, find disaster information, and discover disciplinary actions.

car insurance in Marion

Final considerations

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, not issuing a premium refund and even an unsatisfactory settlement offer. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.

The cheapest car insurance is attainable both online and also from your neighborhood Marion agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

While you're price shopping online, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.