Easy Ways to Spend Less on Wixom Car Insurance

Finding lower rates for Wixom car insurance is a challenge for beginners to shopping for insurance online. People have so many options that it can easily become a real hassle to locate the lowest price in Wixom.

It's important to price shop coverage before your policy renews because rates are constantly changing. Just because you had the best deal six months ago you can probably find a lower rate today. Starting now, forget all the misinformation about car insurance because you're going to learn the proper way to lower your annual insurance bill.

How to Compare Wixom Car Insurance Rates

Comparing car insurance rates is a ton of work if you aren't aware of the most efficient way to do it. You can spend countless hours driving to local insurance agents in Wixom, or you could use the internet for quick rates.

The majority of car insurance companies are enrolled in a marketplace that enables customers to complete one form, and at least one company then gives them pricing based on that data. This eliminates the need for repetitive form submissions to each individual car insurance company. To submit your quote information now, click to open in new window.

The only downside to using this type of system is that consumers can't choose the providers you want pricing from. So if you prefer to pick from a list of companies to request quotes from, we put together a list of companies who write car insurance in Michigan. Click here for list of insurance companies in Michigan.

Whichever way you use, ensure you're using apples-to-apples coverages and limits on every quote. If you have different deductibles then you won't be able to make a fair comparison in Wixom.

Don't pay full price with these discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but some must be requested specifically before they will apply. If you don't get every credit available, you're paying more than you need to.

  • Homeowners Pay Less - Owning a house in Wixom may trigger a car insurance policy discount because owning a home requires personal responsibility.
  • Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Early Signing - Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • Passive Restraints - Factory air bags can receive discounts of 20% or more.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will help reduce your premiums.

To see a list of companies offering car insurance discounts in Michigan, follow this link.

Learn more today

Additional information is available on the Michigan Office of Financial and Insurance Regulation website found here. Consumers can report car insurance fraud, download brochures, and learn about specific coverages.

Additional helpful sites include this page for Michigan car insurance and this page for help finding agents in Wixom, MI.