Eight Tricks to Save on Car Insurance in Michigan

Where can I find cheaper Michigan car insurance rates? That question is often asked and the answer may surprise you.

Auto insurance companies do not list every discount very clearly, so we took the time to find both the well known and the more hidden car insurance savings.

• Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
• Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
• Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than their less cautious counterparts.
• Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
• Federal Government Employee – Active or retired federal employment can save as much as 8% with a few car insurance companies.
• Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
• Claim Free – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
• Low Mileage Discounts – Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

How to Compare Car Insurance Quotes

Performing a rate comparison can take hours if you don’t utilize the fastest way to get free quotes. You can waste hours discussing policy coverages with insurance companies in your area, or you can utilize the web to get the quickest rates.

All the larger companies take part in a program where insurance shoppers only type in their quote data once, and each participating company then returns a price quote. This eliminates the need for form submissions for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

The only drawback to pricing coverage this way is you are unable to specify the providers you want pricing from. If you wish to select specific providers to request quotes from, we put together a list of low cost car insurance companies in Michigan. View list of Michigan insurance companies.

Which method you use is up to you, but make sure you use identical coverage limits and deductibles for each comparison quote. If you are comparing higher or lower deductibles it’s impossible to determine the best price. Just a small difference in coverages may result in a large different in cost. And when quoting car insurance, remember that getting more free quotes provides better odds of getting the best rates.

Is my situation unique?

When it comes to buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether or not your insurance needs will benefit from professional help.

• Can I afford to pay high deductible claims out of pocket?
• Should I rate my vehicle as pleasure use or commute?
• Am I getting all the discounts available?
• Do I really need UM/UIM coverage?
• Are rental cars covered under my policy?
• Am I covered when pulling a rental trailer?
• Am I covered when driving on a suspended license?
• Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Keep this in mind

When trying to cut insurance costs, do not buy less coverage just to save a little money. In many instances, an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at an affordable rate while still getting proper protection

We just showed you many ways to get a better price on . The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a small mutual company.

Consumers change insurance companies for many reasons like not issuing a premium refund, lack of trust in their agent, policy nonrenewal and even an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

Even more information is located at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to read consumer alerts, find a variety of consumer forms, download brochures, and view a list of available companies. Also read more on Michigan car insurance prices and Travelers car insurance basics.