Quote National City Car Insurance Prices With These Tricks

Price shopping your National City car insurance is a challenge for consumers new to shopping for insurance online. Drivers have so many choices that it can quickly become a challenge to locate the lowest price in National City.

It's important to price shop coverage before your policy renews because rates are constantly changing. Even if you got the best deal last year a different company probably has better rates today. So forget all the misinformation about car insurance because you're going to learn the proper way to lower your annual insurance bill.

These discounts can lower your rates

Car insurance can cost a lot, buy you may qualify for discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you quote, but some must be asked for prior to getting the savings. If you don't get every credit available, you are throwing money away.

  • Passive Restraints and Air Bags - Vehicles with factory air bags can receive discounts up to 30%.
  • Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with certain companies.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Early Signing - Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
  • Military Discounts - Having a deployed family member could mean lower rates.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you could get a free car insurance policy, it just doesn't work that way. But any discount will help reduce the cost of coverage.

Michigan car insurance

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get better car insurance rates.

Listed below are some of the factors that factor into your rates.

  • Better credit scores mean better rates - Your credit score is a huge factor in your rate calculation. If your credit rating is lower than you'd like, you could potentially save money when insuring your by improving your rating. Consumers who have high credit ratings tend to be less risk to insure than those with poor credit.
  • Small claims can cost you - If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Insurance companies in Michigan provide discounts to drivers who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • What type of vehicle do you drive? - The make and model of the car you drive makes a big difference in how high your rates are. The cheapest insurance rates are usually for small economy passenger vehicles, but other factors influence the final cost greatly.
  • Choose a safe vehicle and save - Safer cars are cheaper to insure. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
  • How's your driving record? - Your driving record has a big impact on rates. Drivers with clean records tend to pay less for car insurance than bad drivers. Just one speeding ticket may increase your cost by twenty percent. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • Battle of the sexes - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that men are WORSE drivers than women. Men and women are in accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations such as reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Don't let your coverage lapse - Allowing your car insurance policy to lapse is a guaranteed way to pay more for car insurance. And not only will your rates increase, getting caught without coverage can result in a steep fine or even jail time.You may have to file a SR-22 with the Michigan department of motor vehicles.
  • Where you live - Being located in a small town has it's advantages when it comes to car insurance. City drivers tend to have congested traffic and longer commutes to work. Lower population means reduced accidents and also fewer theft and vandalism claims.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as State Farm and Allstate. All the ads say the same thing that you can save if you switch your policy.

But how can every company make the same claim? This is how they do it.

Different companies can use profiling for the right customer that earns them a profit. An example of a preferred risk could be a mature driver, is a homeowner, and drives newer vehicles. A customer who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will be charged a higher premium which usually ends up with business going elsewhere. The ad wording is "drivers who switch" not "everybody who quotes" save that kind of money. That's why insurance companies can claim big savings.

That is why drivers should get as many comparisons as possible. Because you never know the company that will give you the biggest savings.

More information is available on the Michigan Office of Financial and Insurance Regulation website. Click here for link. Consumers can find out industry alerts, download brochures, and learn about specific coverages.

Also read more on NAIC.org's Understanding your Policy and this directory of National City insurance agents.

In the end, you save

We just showed you many ways to reduce car insurance prices online. The key thing to remember is the more you quote, the better your comparison will be. You may even find the best price on car insurance is with a lesser-known regional company.

Consumers switch companies for any number of reasons including poor customer service, extreme rates for teen drivers, policy cancellation and even high prices. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that it was a big mistake. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.