6 Ways You Can Buy Car Insurance for Less in Spring Arbor

Beginners to buying insurance online may find finding low-cost Spring Arbor car insurance is more work than they anticipated.

It's important to take a look at other company's rates occasionally since rates are constantly changing. Just because you found the best rates two years ago a different company probably has better rates today. Don't believe everything you read about car insurance online but I'm going to show you some great ways to find cheap car insurance.

Buying car insurance in Spring Arbor is quite easy. Basically, everyone who has to buy car insurance stands a good chance to be able to cut their insurance bill. Nevertheless, Michigan car owners do need to know the way insurance companies sell online.

Take advantage of discounts

Companies don't always list all their discounts very clearly, so the following is a list of some of the more common and also the lesser-known ways to save on car insurance.

  • Accident Forgiveness - Certain companies allow you one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Bundle and Save - If you have multiple policies with the same company you may earn approximately 10% to 15%.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
  • Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • New Car Discount - Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, companies don't profit that way.

How to know if you need help

When it comes to buying coverage for your vehicles, there isn't really a "perfect" insurance plan. Every situation is different.

These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Michigan?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, simply complete this short form.

Are car insurance companies telling the truth?

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. They all seem to make the same claim of big savings after switching to their company. How does each company make the same claim? It's all in the numbers.

All the different companies have a certain "appetite" for the driver that earns them a profit. A good example of a desirable insured could be a mature driver, owns a home, and chooses high deductibles. Any new insured who matches those parameters gets the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate which leads to business going elsewhere. The ads say "customers who switch" not "people who quote" save that much. That is how insurance companies can confidently state the savings. Because of the profiling, drivers should get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

For more Michigan car insurance information

More tips and info about car insurance can be read at the Michigan Office of Financial and Insurance Regulation website. Consumers can learn about insurance regulations, read consumer alerts, and get help finding coverage.

Also read more on this site for Michigan car insurance information and see this list of insurance agents in Spring Arbor.

Spring Arbor car insurance quote

The best insurance company isn't always the cheapest

Cost effective car insurance can be sourced from both online companies and also from your neighborhood Spring Arbor agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. In many cases, an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best price.

Insureds change insurance companies for a variety of reasons including denial of a claim, policy cancellation, an unsatisfactory settlement offer and even policy non-renewal. No matter why you want to switch, finding a new car insurance company is less work than it seems.