Car Insurance in Port Huron - 6 Discounts You Might be Missing

Are you intimidated by the number of car insurance company choices in Port Huron? Many other drivers are as well. There are so many options available that it can turn into a big hassle to find the perfect company for you.

It's important to check car insurance prices every six months since rates are constantly changing. Even if you got the best deal a couple years back there may be better deals available now. Starting now, block out anything you think you know about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

Port Huron car insurance quote

These six discounts can lower your rates

Car insurance is not cheap, but there are discounts available that many people don't even know exist. Larger premium reductions will be automatically applied at quote time, but some must be asked about in order for you to get them.

  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Early Signing - Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Resident Student - Children who live away from home and do not have a car can be insured at a reduced rate.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will help reduce the cost of coverage.

For a list of providers offering car insurance discounts in Michigan, follow this link.

How to Compare Car Insurance Quotes in Port Huron, Michigan

Most major insurance companies provide prices for coverage on the web. Getting quotes is fairly straightforward as you simply enter the coverages you want as detailed in the form. Once entered, their rating system will obtain information on your driving record and credit history and returns a price quote based on these and other factors.

This makes comparing rates easy, but the process of having to visit different websites and type in the same information can be a bit repetitive. But it's very important to have as many quotes as possible if you want to find better car insurance pricing.

A more efficient way to lower your rates is to use a quote form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable. Immediately after you send the form, it gets priced and you can choose any or none of the quotes that you receive.

If you find a better price you can click and sign and buy the new coverage. The whole process only takes a few minutes and you'll know if lower rates are available.

To find out what other companies charge, click here to open in new window and enter your information. If you have a policy now, it's recommended you copy coverages and limits identical to your current policy. This helps ensure you will have a price comparison based on identical coverages.

Affordable insurance is out there

As you go through the steps to switch your coverage, don't be tempted to sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Cheap car insurance can be found from both online companies and with local Port Huron insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

You just learned many ways to get a better price on car insurance. The key thing to remember is the more quotes you get, the better chance you'll have of finding lower rates. Consumers may even find the best price on car insurance is with a small mutual company.