5 Tricks to Save on Car Insurance in Marshall
Are you intimidated by the number of car insurance companies in Marshall? Many other drivers are as well. People have so many options available that it can turn into a challenge to find lower rates.
It's important to compare prices every six months since rates are constantly changing. Despite the fact that you may have had the best deal a couple years back the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about car insurance because we're going to show you the only way to find lower rates on car insurance.
Don't pay full price with these 5 discounts
Companies don't always publicize every available discount in a way that's easy to find, so here is a list both the well known as well as the least known car insurance savings.
- Theft Prevention Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
- Multiple Vehicles - Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
- Senior Citizens - Mature drivers may be able to get better car insurance rates.
- Federal Government Employee - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
- Discount for Life Insurance - Some companies give better rates if you take out life insurance.
It's important to note that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you're out of luck.
To see a list of providers who offer car insurance discounts in Marshall, follow this link.
How to Compare Car Insurance Quotes in Marshall, Michigan
There are multiple methods to compare car insurance prices but there is one way that is more efficient than others. You can waste a lot of time driving to agents in Marshall, or you could save time and use online quotes to get rate comparisons in just a few minutes.
Many insurance companies enroll in a system that enables customers to send in one quote, and at least one company can give them a price based on that data. This eliminates the need for repetitive form submissions to each individual car insurance company.
To submit your quote information now, click to open in new window.
The only drawback to using this type of system is that you can't choose which carriers you want to price. If you prefer to choose from a list of companies for rate comparison, we have assembled a list of car insurance companies in Michigan. Click to view list.
Whichever way you use, ensure you are comparing exactly the same coverage information on every quote. If you have unequal deductibles or liability limits it's not possible to make a fair comparison in Marshall. Just a small difference in limits may cause a big price difference. Just remember that obtaining a wide range of quotes will improve the odds of getting the best offered rates.
The car insurance bait and switch
Companies like Allstate and Progressive continually stream ads in print and on television. All the ads say the same thing that you can save after switching to their company. How can each company claim to save you money?
Insurance companies are able to cherry pick for the driver that is profitable for them. An example of a preferred risk might be over the age of 40, has no driving citations, and drives less than 10,000 miles a year. Any new insured who fits that profile will get very good rates and therefore will save when they switch companies.
Consumers who don't measure up to the requirements will be charged higher rates which usually ends up with the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that much. That's the way insurance companies can advertise the way they do. That is why drivers must compare many company's rates. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.
The best insurance company isn't always the cheapest
As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.
Lower-priced car insurance can be bought both online and also from your neighborhood Marshall agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
Consumers change insurance companies for a number of reasons such as policy cancellation, lack of trust in their agent, denial of a claim or high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is actually quite simple.
Learn more about Michigan car insurance
Additional detailed information is available at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to read consumer alerts, report car insurance fraud, and learn about insurance regulations.
