Easy Tips to Spend Less on Unionville Car Insurance

Cutting costs on Unionville car insurance is a challenge for beginners to shopping for insurance online. Consumers have so many options available that it can be a big hassle to locate the lowest price in Unionville.

How much can you save with discounts?

Companies offering auto insurance don't always advertise every discount very well, so here is a list some of the more common and the more hidden discounts you could be receiving. If you don't get every credit available, you're paying more than you need to.

No Claims - Claim-free drivers can earn big discounts when compared to bad drivers.
Payment Method - By paying your policy upfront instead of paying each month you could save 5% or more.
Multiple Policy Discount - When you combine your home and auto insurance with one company you will save at least 10% off all policies.
Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Air Bag Discount - Cars that have air bags can receive discounts of 20% or more.
New Car Discount - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.

A little note about advertised discounts, some credits don't apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

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

Compare the Market for Car Insurance in Unionville

There are several ways you can shop for car insurance but one way is less time-consuming than others. You can waste a lot of time driving to agents in Unionville, or you can utilize the web to get the quickest rates.

Many insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and every company returns a competitive quote determined by their information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

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

The only downside to using this type of form is that you can't choose which carriers to get quotes from. So if you want to select from a list of companies for rate comparison, we put together a list of low cost car insurance companies in Michigan. Click to view list.

Whichever method you choose, double check that you are using apples-to-apples information for every company. If your comparisons have higher or lower deductibles it will be next to impossible to decipher which rate is best in Unionville.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the factors that help determine your car insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are some of the factors that factor into prices.

Do you have a high stress job? - Did you know your job can affect your rates? Careers like doctors, social workers and stock brokers are shown to have the highest rates attributed to high stress levels and long work days. On the other hand, occupations like farmers, students and performers pay the least.
Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Where you live can impact rates - Being located in small towns and rural areas can save you money when it comes to car insurance. Urban drivers have traffic congestion and much longer commute distances. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
Better credit scores mean better rates - Having a bad credit history is a large factor in your rate calculation. If your credit rating is not that good, you could pay less to insure your by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores.
Mature drivers pay less - Young drivers in Michigan are known to be careless and easily distracted in a vehicle so car insurance rates are higher. Mature drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.
Having a spouse can save you money - Being married can get you a discount on car insurance. Having a significant other usually means you are more responsible and it's statistically proven that drivers who are married are more cautious.
Do you need those extra coverages? - There are a ton of extra bells and whistles that can waste your money on your policy. Things like vanishing deductibles, accident forgiveness and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.

Save 15 percent in 15 minutes? Is it for real?

Consumers can't get away from ads for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all have a common claim about savings after switching your policy.

But how can every company make the same claim?

Insurance companies can use profiling for the right customer that is profitable for them. An example of a driver they prefer could be over the age of 40, has no tickets, and chooses high deductibles. A customer that hits that "sweet spot" receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will be quoted more money and this can result in business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully state the savings. This emphasizes why drivers must get as many quotes as possible. Because you never know the company that will give you the biggest savings.

A tidy conclusion

Drivers change insurance companies for many reasons like high rates after DUI convictions, unfair underwriting practices, policy non-renewal or policy cancellation. It doesn't matter what your reason, finding the right car insurance provider is actually quite simple.

When buying insurance coverage, do not reduce coverage to reduce premium. There are too many instances where an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

We just showed you a lot of ways to compare car insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with a company that doesn't do a lot of advertising.

More Michigan car insurance information

Even more information is available at the Michigan Office of Financial and Insurance Regulation website. Consumers can read industry bulletins, view a list of available companies, and view agent and company licensing information.

Additional helpful sites include this online resource for car insurance quotes in Michigan and this list of insurance agents in Unionville.