Tightwads Tips for Saving on South Haven Auto Insurance

Expensive auto insurance can take a big chunk out of your bank account, especially in this economy. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket.

You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

compare South Haven auto insurance rates

How much can you save with discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be asked about before being credited.

  • Payment Discounts - By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Multiple Policy Discount - When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Senior Discount - Older drivers may qualify for a small decrease in premiums.
  • Drivers Education - Require your teen driver to successfully complete driver's ed class in school.

It's important to note that some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like it's possible to get free car insurance, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Michigan, click here.

Where Can I Get Cheap South Haven Auto Insurance?

Comparing auto insurance rates can be exhausting if you don't know the most efficient way. You can waste hours talking about coverages with insurance agencies in South Haven, or you can stay home and use online quotes to quickly compare rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company provides a quote. This prevents consumers from doing quote requests for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is buyers cannot specifically choose the companies to get quotes from. If you wish to select specific providers to request quotes from, we have assembled a list of the cheapest auto insurance companies in Michigan. Click here for list of insurance companies in Michigan.

However you get your quotes, make sure you use identical coverages and limits for each comparison quote. If you compare different deductibles it will be very difficult to determine the lowest rate in South Haven. Slightly different limits may result in large price differences. And when comparing auto insurance rates, know that comparing more company's prices helps locate a lower rate.

How much car insurance do I need?

When it comes to choosing coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's situation is unique and your policy should reflect that. For example, these questions can help discover if your insurance needs will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Michigan?
  • Should I buy additional glass protection?
  • Is rental equipment covered for theft or damage?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?

If you can't answer these questions, you may need to chat with an insurance agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.

In this article, we covered a lot of techniques to get a better price on auto insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from a smaller regional carrier. These companies often have lower prices on specific markets compared to the large companies like .