Top Ways to Save on Onsted Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparison shopping is a smart way to cut your insurance bill. Big companies like State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices quite often because insurance rates are constantly changing. Even if you think you had the best rates a year ago you can probably find a better price now. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to quit paying high auto insurance rates.

If you have a policy now or need new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Finding the best rates in Onsted is not that difficult. Michigan consumers only need to know the tricks to buy auto insurance on the web.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

  • With age comes lower rates - More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Teen drivers have a tendency to be more careless when driving and because of this, their auto insurance rates are much higher.
  • Men are more aggressive - Statistics have proven women are more cautious behind the wheel. Now that doesn't mean men are worse drivers. Women and men are in accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.
  • Safe vehicles cost less to insure - Cars with high safety ratings are cheaper to insure. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.
  • Car features impact rates - Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Don't get talked into coverage you don't need - There are quite a few add-on coverages that you can buy on your auto insurance policy. Insurance for rental car reimbursement, towing coverage and term life insurance are examples of these. These may sound like a good investment initially, but if they're wasting money eliminate the coverages to reduce your premium.

Onsted auto insurance comparison

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but you can get discounts to help bring down the price. Some discounts apply automatically when you complete an application, but some may not be applied and must be specifically requested before they will apply. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • College Student - Children living away from home attending college and don't have a car can be insured at a reduced rate.
  • Save over 55 - If you're over the age of 55, you may receive better auto insurance rates.
  • Drive Less and Save - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Accident Waiver - A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Safety Course Discount - Completing a course in driver safety could cut 5% off your bill if your company offers it.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think it's possible to get free car insurance, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

To choose companies with discount auto insurance rates in Onsted, follow this link.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Michigan consumers can't ignore all the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you change to their company.

How can each company make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the driver that makes them money. A good example of a desirable insured could possibly be over the age of 50, insures multiple vehicles, and has excellent credit. A driver who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "everybody who quotes" save that much. This is how companies can truthfully make those claims.

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

Tailor your coverage to you

When buying coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you may require specific advice.

  • Why does it cost so much to insure a teen driver in Onsted?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Is rental equipment covered for theft or damage?
  • Is my vehicle covered for flood damage?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need to file an SR-22 for a DUI in Michigan?
  • Does my personal policy cover me when driving my company car?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Additional information can be read on the website for the Michigan Office of Financial and Insurance Regulation found here. Michigan consumers can read enforcement actions against agents and companies, learn about insurance regulations, find disaster information, and view a list of available companies.

Onsted auto insurance comparison

In the end, you save

While you're price shopping online, it's not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage and found out when filing a claim they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best price.

The cheapest auto insurance is attainable online and also from your neighborhood Onsted agents, and you should be comparing both to get a complete price analysis. Some companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

In this article, we presented a lot of tips how to save on auto insurance. It's most important to understand that the more times you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from a small mutual company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as .