Proven Techniques to Save on Shelby Twp Auto Insurance

No one looks forward to buying auto insurance, particularly when they are paying too much. You have so many to buy insurance from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates.

Be sure to get all your discounts

Companies don't always advertise every discount very clearly, so here is a list both the well known and the more hidden savings tricks you should be using. If you're not getting every credit you qualify for, you're paying more than you need to.

Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.
Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Paperwork-free - A few companies may give you up to $50 for buying your policy over the internet.
Distant Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
Homeowners Savings - Simply owning a home can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
Military Discounts - Being on active duty in the military may qualify for rate reductions.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, auto insurance companies aren't that generous.

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

Automobile Insurance Quotes in Shelby Twp, MI

Effectively comparing auto insurance prices can be a daunting task if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Shelby Twp, or you can utilize online quoting to quickly compare rates.

Many 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 information. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

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

The only drawback to comparing rates this way is you are unable to specify which carriers to get quotes from. If you would rather choose from a list of companies to compare, we put together a list of low cost auto insurance companies in Michigan. Click to view list.

It's your choice how you get your quotes, but make absolute certain that you use identical quote information on every quote you get. If the quotes have mixed coverages it will be impossible to determine which rate is truly the best in Shelby Twp.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

Claim-free discounts can add up - If you file claims often, you can look forward to either policy cancellation or increased premiums. Companies in Michigan award lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for larger claims.
Discounts for multiple policies - Many insurers provide better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount you may still want to compare rates to confirm you are receiving the best rates possible.
Pay less after the wedding - Being married can get you a discount on your policy. Having a significant other usually means you are more responsible and it's statistically proven that married couples file fewer claims.
Mature drivers pay less - Youthful drivers in Michigan are known to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. If you've ever had to add a young driver onto your auto insurance can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different so your insurance should reflect that For example, these questions might point out whether or not you would benefit from professional advice.

Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Shelby Twp?
Does my policy cover my teen driver if they drive my company car?
Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in Michigan?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Is there truth in advertising?

Consumers in Michigan can't get away from ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all make an identical promise about savings after switching your policy.

How does each company claim to save you money?

Insurance companies have a certain "appetite" for the right customer that is profitable for them. An example of a driver they prefer might be a mature driver, owns a home, and has a short commute. A customer getting a price quote who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be quoted a higher premium and ends up with the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully make the claims of big savings. This emphasizes why drivers must compare many company's rates. It's impossible to know which company will fit your personal profile best.

In the end, you save

As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

Cheap auto insurance can be sourced both online in addition to many Shelby Twp insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and these smaller companies work with independent agents.

For more Michigan car insurance information

Even more information is available at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to download brochures, read consumer alerts, get help finding coverage, and read enforcement actions against agents and companies.