8 Money Saving Ideas Shown to Save Money on Car Insurance Costs in White Cloud

I can't think of a single person who cherishes buying car insurance, especially when they are paying too much.

Drivers have multiple to buy insurance from, and although it's a good thing to have a selection, it can be more challenging to compare rates.

It's important to take a look at other company's rates periodically since rates are constantly changing. If you had the best deal two years ago you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the only way to reduce your cost while increasing coverage.

The purpose of this article is to familiarize you with how car insurance quotes work and some tips to save money. If you currently have car insurance, you should be able to save some money using these methods. Nevertheless, Michigan car owners do need to know the way companies market on the web and take advantage of how the system works.

Michigan car insurance

How to Get White Cloud Car Insurance Comparison Quotes

There are several ways to compare rate quotes from different White Cloud insurance companies. The best method to compare insurance prices is to use the internet to compare rates. This can be done in several different ways.

  • The recommended way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating multiple quote forms for each company. Just one form gets you coverage quotes from multiple low-cost companies.
  • A different way to compare rate quotes consists of going to each company website to complete a price quote. For instance, let's say you want to compare , and . You would have to go to every website to enter your coverage information, which is why most consumers use the first method. To view a list of companies in White Cloud, click here.
  • The hardest method of comparing rate quotes is to waste gas driving to different White Cloud agent offices. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance of a licensed agent. Drivers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just be sure to compare identical coverages for every company. If you are comparing different limits and deductibles on each one it will be next to impossible to decipher which rate is best in White Cloud. Having just a slight variation in coverage limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps locate lower pricing.

Take advantage of discounts

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Sign Early and Save - A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • No Accidents - Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Accident Forgiveness - Certain companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • 55 and Retired - Mature drivers can possibly qualify for better car insurance rates.
  • Drivers Education - Have your child take driver's ed class in high school.
  • Defensive Driving Course - Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.

Consumers should know that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free car insurance policy, companies don't profit that way. Any qualifying discounts will bring down your overall premium however.

To see a list of providers with the best car insurance discounts in Michigan, click this link.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Each situation is unique so this has to be addressed. These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need PIP (personal injury protection) coverage in Michigan?
  • Should I buy additional glass protection?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Additional car insurance information is available on the website for the Michigan Office of Financial and Insurance Regulation through this link. Consumers can learn about specific coverages, find out industry alerts, read industry bulletins, and learn about insurance regulations.