Finding Cheaper Wayland Auto Insurance

Nobody I know likes paying for auto insurance, especially knowing their premiums are too high.

Lots of contend to insure your vehicles, and it can be difficult to compare rates and get the definite lowest rate

It's important to do rate comparisons occasionally since insurance rates are constantly changing. Even if you got the lowest price a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the tricks you need to know to lower your rates without sacrificing coverage.

Don't pay full price with these discounts

Companies offering auto insurance don't list every available discount in an easy-to-find place, so we researched some of the best known as well as the least known ways to save on auto insurance.

  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Auto/Life Discount - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
  • Accident Free - Good drivers with no accidents pay much less compared to bad drivers.
  • Multiple Vehicles - Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

To see a list of providers who offer auto insurance discounts in Wayland, click this link.

Wayland auto insurance quote

Automobile Insurance Quotes in Wayland, MI

There are multiple methods to shop for auto insurance, but one way is more efficient than others. You can waste a lot of time discussing policy coverages with insurance agencies in Wayland, or you could save time and use online quoting to get pricing more quickly.

Many insurance companies take part in a program that enables customers to enter their coverage request one time, and at least one company can give them a price for coverage. This system prevents you from having to do quotation requests to each individual auto insurance company.

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

One minor caviat to using this type of system is you are unable to specify which carriers you want to price. If you would rather choose specific insurance companies to compare rates, we put together a list of auto insurance companies in Michigan. Click to view list.

It doesn't matter which method you choose, just make absolute certain that you use the exact same information on every quote. If you use higher or lower deductibles it's not possible to make a fair comparison in Wayland. Having just a slight variation in coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes will increase your chances of finding the best price.

Why some people pay less for insurance in Wayland

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. Understanding what impacts premium levels allows you to make educated decisions that can help you get big savings.

The following are a partial list of the pieces companies use to determine your rates.

  • Your credit rating is important - Your credit history is a important factor in determining your rates. Therefore, if your credit is not that good, you could pay less to insure your by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Rate your vehicle for proper use - Driving more miles each year the higher your rates will be. Most companies price each vehicle's coverage based upon how you use the vehicle. Autos not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
  • More claims means more premium - Insurance companies in Michigan give better rates to insureds who file claims infrequently. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Discounts for multiple policies - Many auto insurance companies give discounts to people who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you're getting this discount you still need to compare rates to make sure you are getting the best deal.

Your personal situation dictates your coverage

When choosing the best auto insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I wreck a rental car?
  • Does medical payments coverage apply to all occupants?

If it's difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

The auto insurance bait and switch

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads make the same claim about savings after switching to them. How do they all say the same thing?

All the different companies have a certain "appetite" for the type of driver that is profitable for them. For instance, a preferred risk might be profiled as a mature driver, owns a home, and has a short commute. A propective insured who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be charged higher rates which leads to business not being written. The ads state "customers that switch" not "everyone that quotes" save money. That is how companies can truthfully make the claims of big savings. That is why drivers must get as many quotes as possible. It's not possible to predict which company will fit your personal profile best.

Shop smart and save

As you shop your coverage around, you should never reduce coverage to reduce premium. Too many times, an insured cut liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Cheap auto insurance can be purchased on the web and with local Wayland insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Wayland auto insurance quote

For more Michigan car insurance information

Even more information is located at the Michigan Office of Financial and Insurance Regulation website. Michigan drivers can find out industry alerts, file complaints about an insurance agent or broker, download brochures, and read consumer alerts.