How to Know You're Wasting Money for Auto Insurance in Wolverine Lake

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you there are lots of people in the same boat.

There are many to buy insurance from, and although it's nice to have a choice, it makes it harder to compare rates.

It's important to check auto insurance prices at least once a year because prices are constantly changing. Even if you got the best rates on your last policy there may be better deals available now. There is a lot of bad information regarding auto insurance online, so I'm going to show you some great ways to stop overpaying for insurance.

Finding affordable coverage in Wolverine Lake is not that difficult. If you have car insurance now, you will be able to reduce your rates substantially using this information. Although Michigan consumers do need to know the way companies price insurance differently.

How much can you save with discounts?

Car insurance companies don't always publicize all their discounts very clearly, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • Sign Online - Certain companies may give you up to $50 for buying your policy over the internet.
  • Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • No Charge for an Accident - Certain companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
  • Accident Free - Drivers with accident-free driving histories pay less as compared to frequent claim filers.
  • Military Rewards - Being deployed with a military unit may qualify for rate reductions.
  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

A little note about advertised discounts, some credits don't apply the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

For a list of companies who offer auto insurance discounts in Michigan, click here.

How to Compare Wolverine Lake Auto Insurance Costs

There are several ways to compare auto insurance prices but some are less labor-intensive and much quicker. You can waste hours talking about coverages with agents in Wolverine Lake, or you could save time and use online quoting to achieve your goal.

Most car insurance companies participate in an industry program that allows shoppers to submit one quote, and each participating company then gives them pricing based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for.

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

The one disadvantage to comparing rates this way is you can't choose the companies you want pricing from. So if you want to select specific providers for rate comparison, we put together a list of auto insurance companies in Michigan. Click to view list.

Whichever method you choose, compare identical information on every quote you get. If each company quotes higher or lower deductibles it will be impossible to determine which rate is truly the best in Wolverine Lake. Slightly different coverages can make a big difference in price. Just keep in mind that quoting more helps locate the best price.

Shop smart and save

The cheapest auto insurance can be purchased both online and with local Wolverine Lake insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer online quoting and most of the time these small insurance companies sell through independent agents.

When you buy insurance online, never sacrifice coverage to reduce premiums. In many cases, an insured dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at a price you can afford.

We covered a lot of ways to get a better price on auto insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest rates come from a small local company. These companies may cover specific market segments cheaper compared to the large companies like .