8 Ways to Save on Car Insurance in Pleasant Ridge Michigan

No one likes having to buy car insurance, especially when the price is too high. With consumers having so many car insurance companies to choose from, it can be impossible to pick the cheapest company.

The purpose of this article is to introduce you to how car insurance quotes work. If you currently have car insurance, you will be able to save some money using this information. Michigan vehicle owners just need to know the most efficient way to compare company rates over the internet.

Automobile Insurance Quotes in Pleasant Ridge, MI

There are several ways to shop for car insurance, but some are easier and takes less work. You can spend countless hours driving to agents in Pleasant Ridge, or you can utilize online quotes to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only downside to getting quotes like this is you can't choose the providers to get quotes from. If you would rather choose individual companies for rate comparison, we have a page of low cost car insurance companies in Michigan. Click to view list.

However you get your quotes, make absolute certain that you use apples-to-apples coverage information for every quote you compare. If you have unequal deductibles or liability limits it will be impossible to determine the best price in Pleasant Ridge.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some must be manually applied prior to receiving the credit. If you don't get every credit you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Distant Student - Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Driver Safety - Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Memberships - Belonging to a professional or civic organization may earn a discount when shopping for car insurance.
  • Lower Rates for Military - Being deployed with a military unit may qualify for rate reductions.
  • Early Switch Discount - A few companies offer discounts for switching to them before your current expiration date. It's a savings of about 10%.

Consumers should know that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

To see a list of insurance companies who offer car insurance discounts in Michigan, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different and your policy should reflect that. For example, these questions might point out whether or not you might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Do I need PIP (personal injury protection) coverage in Michigan?
  • What are Michigan no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I really need UM/UIM coverage?
  • Should I rate my vehicle as pleasure use or commute?

If you can't answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Much more information about car insurance in Michigan is available on the website for the Michigan Office of Financial and Insurance Regulation through this link. Consumers can download brochures, read consumer alerts, read enforcement actions against agents and companies, and find out industry alerts.

Additional helpful sites include this online resource for car insurance quotes in Michigan and this list of insurance agents in Pleasant Ridge.