Car Insurance in Burton - 5 Discounts to Save Money

Are you overwhelmed by the wide range of car insurance options in Burton? You're not the only one! Consumers have so many choices that it can turn into a ton of work to find the best price.

It's important to price shop coverage at least once a year since rates are constantly changing. Even if you got the best rates two years ago you can probably find a better price now. You can find a lot of wrong information about car insurance on the web, but I'm going to show you some great ways to quit paying high car insurance rates.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Locating affordable protection in Burton can be fairly easy. Nevertheless, Michigan car owners do need to know how insurance companies price insurance differently.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically at the time of purchase, but some may not be applied and must be specially asked for prior to receiving the credit.

  • Sign Online - A few companies will give a small break simply for signing on their website.
  • Driver Safety - Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Discount for Life Insurance - Larger companies have lower rates if you buy life insurance.
  • Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • No Charge for an Accident - A few companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.

It's important to understand that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will cut the amount you have to pay.

To choose companies who offer car insurance discounts in Burton, follow this link.

Save $429 a year? Really?

Car insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to say the same thing of big savings after switching your policy. How do they all make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the right customer that makes them money. A good example of a desirable insured could be over the age of 50, has no tickets, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can confidently state the savings.

Because of the profiling, you should quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Find out more about car insurance

Additional car insurance information can be read on the Michigan Office of Financial and Insurance Regulation website. Click here for link. Consumers can get help finding coverage, discover disciplinary actions, and file complaints about an insurance agent or broker.

car insurance in Burton

Final considerations

Low-cost car insurance can be purchased from both online companies in addition to many Burton insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, you should never buy poor coverage just to save money. In many cases, an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price.

Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, delays in paying claims or even questionable increases in premium. No matter why you want to switch, switching car insurance companies is easier than you think.