Free Guide to Paying Less for Mt Clemens Car Insurance Online

Expensive car insurance can empty your savings account, especially in this economy. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. You have so many to buy insurance from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage yearly because rates are constantly changing. Just because you had the lowest rates a year ago you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because you're going to learn the tricks you need to know to lower your annual insurance bill.

Policy discounts you shouldn't miss

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be specifically requested prior to getting the savings. If you're not getting every credit you deserve, you are throwing money away.

Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Multi-policy Discount - If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
Good Student Discount - Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Passive Restraints and Air Bags - Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
Military Discounts - Having a family member in the military could mean lower rates.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there isn't really a best way to insure your cars. Every insured's situation is different so this has to be addressed. For example, these questions can help discover whether your personal situation would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in Michigan?
Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage when using my vehicle for my home business?
What companies insure drivers after a DUI or DWI?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and may give you better protection.

Save $429 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings from companies such as Allstate and Progressive. All the ads make the same claim about savings if you switch your policy.

How does each company make the same claim? This is how they do it.

All companies have a preferred profile for the right customer that earns them a profit. For example, a preferred risk could be a mature driver, has no prior claims, and has excellent credit. A customer who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be charged a more expensive rate which leads to business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully make those claims.

That is why you should get quotes from several different companies. Because you never know which insurance companies will have the lowest rates.

Additional information can be found on the website for the Michigan Office of Financial and Insurance Regulation. Click here for link. Consumers can find out industry alerts, view agent and company licensing information, file complaints about a company, and read enforcement actions against agents and companies.

In the end, you save

While you're price shopping online, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

We just showed you some good ideas how to reduce car insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the best price on car insurance is with a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .