How to Know You're Wasting Money for Car Insurance in Ovid

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, you're not the only one. Having so many options when it comes to car insurance, it can be impossible to pick the lowest price insurance company.

It's important to price shop coverage every six months because rates are constantly changing. Even if you think you had the best price last year you can probably find a lower rate today. Forget all the misinformation about car insurance because you're about to learn how to quote online to eliminate unnecessary coverages and save money.

This information will help educate you on how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Michigan vehicle owners just need to know the most effective way to buy car insurance on the web.

Ovid car insurance comparison

How to Compare Car Insurance Quotes in Ovid, Michigan

Most companies give coverage price quotes on their websites. The process doesn't take a lot of time as you just type in the coverages you want as detailed in the form. When the form is submitted, their rating system will obtain your credit score and driving record and generates a price based on many factors. This makes it a lot easier to compare rates but the time required to go to multiple sites and complete many quote forms can be a bit repetitive. But it's very important to compare as many rates as possible in order to get the best price on car insurance.

A quicker way to lower your rates utilizes a single form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes online quotes much simpler. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any or none of the quotes returned.

If you find a better price you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles just like they are on your policy. This ensures you will have a rate comparison for similar insurance coverage.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked for prior to receiving the credit. If you don't get every credit possible, you're paying more than you need to.

  • 55 and Retired - Mature drivers may receive a discount up to 10%.
  • Memberships - Belonging to a professional or civic organization could qualify you for a break on car insurance.
  • Safety Course Discount - Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Passive Restraints - Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Military Discounts - Having a deployed family member could be rewarded with lower premiums.
  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Bundle and Save - When you combine your home and auto insurance with one insurance company you may save at least 10% off all policies.
  • No Claims - Drivers with accident-free driving histories can save substantially as compared to bad drivers.

Drivers should understand that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will help reduce the cost of coverage.

To see a list of companies with discount car insurance rates in Michigan, follow this link.

Learn more about Michigan car insurance

Much more information about car insurance in Michigan can be found on the website for the Michigan Office of Financial and Insurance Regulation found here. Consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, discover disciplinary actions, and find out industry alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Ovid.