How to Get the Cheapest Standish Car Insurance

If price shopping car insurance online is new to you, it's easy to be confused due to the large number of car insurance companies selling insurance in Standish.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. This information will introduce you to the best way to quote coverages and some money-saving tips. But Michigan consumers do need to know how companies determine prices because it can help you find the best coverage.

compare Standish car insurance rates

Be sure to get all your discounts

Car insurance companies don't list every discount in a way that's easy to find, so we researched both the well known and the more hidden car insurance savings.

  • Lower Rates for Military - Having a deployed family member can result in better rates.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in high school.
  • Federal Employees - Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
  • Senior Citizens - Older drivers can possibly qualify for a small decrease in premiums.
  • Low Mileage Discounts - Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Club Memberships - Being a member of a civic or occupational organization could qualify you for a break when shopping for car insurance.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

For a list of insurance companies with the best car insurance discounts in Standish, follow this link.

Finding Car Insurance in Standish, MI

There are several ways to shop for car insurance, but some are easier and takes less work. You can waste hours discussing policy coverages with insurance companies in Standish, or you can utilize online quoting to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company provides a quote based on the submitted data. This eliminates the need for quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The single downside to pricing coverage this way is you cannot specify the companies to get quotes from. If you would rather choose from a list of companies to compare rates, we have a page of low cost car insurance companies in Michigan. View list of Michigan insurance companies.

Which method you use is up to you, but make absolute certain that you use exactly the same deductibles and coverage limits with every price quote. If each company quotes different values for each quote it will be impossible to find the best deal in Standish. Just a small difference in insurance coverages may result in large price differences. And when quoting car insurance, remember that comparing more company's prices will improve the odds of getting better pricing.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's needs are different.

For example, these questions might point out whether or not you would benefit from an agent's advice.

  • 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?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

The best insurance company isn't always the cheapest

Consumers who switch companies do it for many reasons like unfair underwriting practices, policy non-renewal, extreme rates for teen drivers and high rates after DUI convictions. Regardless of your reason, finding the right car insurance provider is not as hard as you think.

As you shop your coverage around, it's a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Discount car insurance is possible both online as well as from independent agents in Standish, so you should compare both to have the best rate selection. Some insurance providers don't offer online quoting and these small, regional companies work with independent agents.