Easy Methods to Save Money on Muir Auto Insurance

Are you intimidated by the sheer number of auto insurance companies in Muir? You're not the only one! You have so many options that it can turn into a lot of work to find lower rates.

It's important to shop coverage around every six months because insurance rates are constantly changing. Even if you think you had the lowest rates six months ago you will most likely find a better rate today. So just block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to find better rates and still maintain coverage.

If you have a policy now or need new coverage, you can learn to find the best rates and possibly find even better coverage. The purpose of this article is to help educate you on how to get online quotes and some tricks to saving. Michigan drivers only need an understanding of the proper way to find the lowest price on the web.

Don't pay full price with these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. Some trigger automatically at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you aren't receiving every discount possible, you are throwing money away.

  • Life Insurance Discount - Larger companies have better rates if you take out life insurance from them.
  • Clubs and Organizations - Participating in a civic or occupational organization may earn a discount on auto insurance.
  • Lower Rates for Military - Being deployed with a military unit could be rewarded with lower premiums.
  • Claim Free - Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
  • Safety Course Discount - Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Bundle and Save - If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.

It's important to understand that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will reduce your premiums.

Michigan auto insurance quotes

The auto insurance bait and switch

Michigan consumers get pounded daily by advertisements that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to have a common claim of big savings if you change your coverage to them.

How can each company make almost identical claims?

Different companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured could possibly be between 25 and 40, has no driving citations, and has a high credit rating. A driver that hits that "sweet spot" will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can confidently state the savings.

Because of the profiling, you should quote coverage with many companies. It is impossible to predict which auto insurance company will have the lowest rates.

Additional auto insurance information can be found on the Michigan Office of Financial and Insurance Regulation website located here. Michigan consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and find disaster information.

And the best car insurance company is...

As you restructure your insurance plan, it's a bad idea to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed uninsured motorist or liability limits only to regret that they should have had better coverage. The ultimate goal is to get the best coverage possible at a price you can afford.

Low-cost auto insurance is attainable online as well as from independent agents in Muir, so you should compare both so you have a total pricing picture. Some insurance companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Drivers leave their current company for a number of reasons such as delays in paying claims, questionable increases in premium, delays in responding to claim requests and even high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is less work than it seems.