How to Find Cheap Michigan Center Auto Insurance
Finding lower rates for Michigan Center auto insurance is nearly impossible for consumers new to buying insurance online. Drivers have so many choices that it can easily become more work than you anticipated to compare prices in Michigan Center.
Don't pay full price with these discounts
Car insurance companies don't always list every discount very clearly, so we took the time to find both well-publicized and the harder-to-find auto insurance savings.
- Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
- Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
- Discount for Life Insurance - Some companies give a discount if you purchase life insurance from them.
- Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
- Driver Safety - Taking a course in driver safety could save 5% or more if you qualify.
It's important to note that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, you're out of luck.
The auto insurance bait and switch
Auto insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all say the same thing that you can save after switching to their company. How does each company make almost identical claims? This is how they do it.
Different companies can use profiling for the driver that earns them a profit. For example, a driver they prefer could possibly be a mature driver, is a homeowner, and has great credit. A driver who fits that profile will get very good rates and therefore will save when switching.
Potential customers who don't measure up to these standards will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads say "drivers who switch" not "everyone that quotes" save that much. That's why insurance companies can advertise the savings. This emphasizes why you should compare as many rates as you can. It is impossible to predict the company that will give you the biggest savings.
Additional detailed information can be found at the Michigan Office of Financial and Insurance Regulation website. Michigan consumers can download brochures, view agent and company licensing information, and discover disciplinary actions.
The best insurance company isn't always the cheapest
Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, delays in paying claims and even denial of a claim. Regardless of your reason, switching auto insurance companies is less work than it seems.
As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.
Lower-priced auto insurance can be purchased online and also from your neighborhood Michigan Center agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.
