How to Know You're Spending Too Much for Car Insurance in Roseville

Overpriced car insurance can overdraw your checking account and put the squeeze on your family's finances. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket. Companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with TV and radio ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

Don't pay full price with these discounts

Companies offering auto insurance don't always advertise every discount in a way that's easy to find, so we researched some of the more common and the harder-to-find car insurance savings. If you aren't receiving every discount you deserve, you are throwing money away.

Government Employees - Active or retired federal employment could cut as much as 10% off with a few car insurance companies.
55 and Retired - If you qualify as a senior citizen, you may receive a discount up to 10%.
Clubs and Organizations - Belonging to a civic or occupational organization could qualify you for a break when shopping for car insurance.
Military Discounts - Having a deployed family member could be rewarded with lower premiums.
Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, it just doesn't work that way.

Your personal situation dictates your coverage

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone's situation is unique and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

Why am I required to get a high-risk car insurance policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I getting all the discounts available?
Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?
Am I covered when pulling a rental trailer?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and may give you better protection.

The car insurance bait and switch

Consumers get pounded daily by advertisements for car insurance savings from companies such as Progressive, Allstate and GEICO. They all say the same thing that you can save if you change your policy.

How can each company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a driver they prefer could be between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who fits that profile will get very good rates and therefore will save when they switch companies.

Drivers who don't measure up to the requirements will be quoted a higher premium which usually ends up with business going elsewhere. The ads say "drivers who switch" not "everyone that quotes" save that kind of money. This is how insurance companies can advertise the way they do. This emphasizes why you should get as many quotes as possible. Because you never know which insurance companies will provide you with the cheapest rates.

More sites with car insurance information

Additional detailed information is located at the Michigan Office of Financial and Insurance Regulation website. Consumers can read industry bulletins, read enforcement actions against agents and companies, find out which companies have the most complaints, and find disaster information.

Best coverage at the best price

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

Affordable car insurance can be sourced from both online companies in addition to many Roseville insurance agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.