Mason Auto Insurance For Less Than You're Paying Now

Price shopping your Mason auto insurance is challenging for consumers new to buying insurance online. You have so many options that it can easily become a challenge to compare prices in Mason.

It's important to take a look at other company's rates once or twice a year since insurance rates are constantly changing. If you had the best rates a few years ago a different company probably has better rates today. There is a lot of bad advice regarding auto insurance on the web, but I'm going to show you some great ways to find cheap auto insurance.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be manually applied before being credited.

Homeowners Pay Less - Owning a house in Mason can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
No Accidents - Claim-free drivers pay less as compared to drivers who are more careless.
Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
One Accident Forgiven - A handful of insurance companies will allow you to have one accident before your rates go up as long as you don't have any claims for a certain period of time.
New Vehicle Savings - Buying coverage on a new vehicle is cheaper compared to insuring an older model.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

Mason Rates are Influenced by These Factors

Smart consumers have a good feel for the different types of things that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

The list below includes some of the items auto insurance companies consider when setting rates.

Pay less if you're married - Getting married actually saves money on your policy. It means you're more responsible it has been statistically shown that drivers who are married are more cautious.
Small claims can cost you - Car insurance companies in Michigan award cheaper rates to insureds who are claim-free. If you are a frequent claim filer, you can definitely plan on higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
Rates may be higher depending on your occupation - Jobs such as real estate brokers, business owners and dentists tend to have the highest average rates in part from high stress levels and long work hours. Other occupations such as farmers, historians and the unemployed receive lower rates.
Older drivers pay less - Mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Teenage drivers tend to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
Lower miles equals lower premium - The more you drive every year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars and trucks that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your auto insurance policy is rated on the correct driver usage.
Optional equipment can affect rates - Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
Safer cars are cheaper to insure - Safer cars can get you lower premiums. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.

Are you falling for claims of savings?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads on television and other media. They all seem to make an identical promise about savings if you move to their company. How can each company say the same thing? This is how they do it.

Different companies can use profiling for the driver that earns them a profit. A good example of a desirable insured might be profiled as a mature driver, has no tickets, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get very good rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher prices and ends up with business not being written. The ads say "drivers who switch" not "everybody who quotes" save that much. That's why companies can truthfully advertise the way they do.

Because of the profiling, drivers should get a wide range of price quotes. It's not possible to predict the company that will provide you with the cheapest rates.

Additional information can be read on the Michigan Office of Financial and Insurance Regulation website. Click here for link. Michigan drivers can get help finding coverage, download brochures, and read industry bulletins.

Final considerations

Cheaper auto insurance is definitely available on the web and also from your neighborhood Mason agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, high rates after DUI convictions and even not issuing a premium refund. Regardless of your reason for switching companies, switching auto insurance companies is less work than it seems.

When shopping online for auto insurance, it's not a good idea to skimp on coverage in order to save money. In many cases, an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price.