Free Guide to Paying Less for Niles Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are a lot of people in Niles just like you who feel imprisoned by their auto insurance policy. Companies like GEICO and Progressive constantly blast consumers with TV and radio ads and consumers find it hard to sift through the bull and find the best price available.

If you are insured now or need a new policy, you can use these techniques to get lower rates while maintaining coverages. Finding affordable coverage in Niles is easy if you know what you're doing. Michigan vehicle owners just need to know the most efficient way to compare rates online.

Compare the Market for Auto Insurance in Niles

Getting better auto insurance pricing is a fairly straight forward process. Consumers just need to take a few minutes comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to get the best comparison quotes is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form entry for each company. Completing one form gets you coverage quotes direct from many companies.

A slightly less efficient method to shop for auto insurance online consists of going to the website for every company you want to comare to complete a price quote. For example, we'll assume you want to compare rates from , and . You would have to visit each site to enter your coverage information, and that's why the first method is more popular. For a list of links to companies insuring cars in Niles, click here.

It's your choice how you get your quotes, but compare exactly the same coverages for every company. If you have different limits and deductibles on each one you will not be able to decipher which rate is best in Niles.

auto insurance in Niles

Why some people pay less for insurance in Niles

It's important that you understand the different types of things that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in better auto insurance rates.

The list below includes some of the items companies use to determine premiums.

  • Safer cars are cheaper to insure - Safer cars can get you lower premiums. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
  • A lapse in coverage is a bad thing - Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, failure to provide proof of insurance can result in a revoked license or a big fine.
  • Men fork out a little more - Statistics demonstrate women are more cautious behind the wheel. However, don't assume that women are better drivers. Men and women have accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like DUI and reckless driving.
  • Your credit rating is important - A driver's credit rating is a huge factor in calculating your auto insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit score can use some improvement, you could be paying less to insure your by improving your credit score.
  • Discounts for multiple policies - The majority of insurers will award you with lower prices to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it's in your best interest to shop around to make sure you are getting the best deal. Consumers may find a better deal by buying insurance from more than one company.
  • Small claims can cost you - If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Auto insurance companies in Michigan award cheaper rates to people who file claims infrequently. Car insurance is intended for the large, substantial claims.
  • Drive less and save money - The more you drive in a year the more you'll pay to insure your vehicle. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance policy is rated on the correct driver usage.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but some may not be applied and must be manually applied in order for you to get them. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Fewer Miles Equal More Savings - Keeping the miles down could qualify for discounted rates on garaged vehicles.
  • Military Rewards - Being on active duty in the military can result in better rates.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Accident Free - Drivers with accident-free driving histories pay less when compared with frequent claim filers.
  • No Charge for an Accident - A handful of insurance companies will allow you to have one accident without raising rates so long as you haven't had any claims for a certain period of time.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Auto/Home Discount - When you have multiple policies with one company you may save 10% to 20% off each policy.
  • Federal Government Employee - Simply working for the federal government can earn a discount up to 10% depending on your company.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Life Insurance - Select insurance companies reward you with better rates if you take out life insurance from them.

Drivers should understand that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will reduce the amount you have to pay.

For a list of insurers with the best auto insurance discounts in Niles, click here to view.

Much more information about auto insurance in Michigan can be read on the website for the Michigan Office of Financial and Insurance Regulation. Click here for link. Visitors are able to find disaster information, find a variety of consumer forms, learn about insurance regulations, and find out industry alerts.

auto insurance in Niles

Best coverage at the best price

Budget-conscious auto insurance is definitely available both online and with local Niles insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, it's a bad idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.