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Saving Money with Cheap Michigan Car Insurance
This is my site Written by jdlash on August 3, 2012 – 09:57 am08

We all want to save money, especially in this economy. Even an extra $20 a month makes a difference for most of us. There are many ways to save money including finding a cheaper rate on your car insurance in Michigan. It’s not always easy to find a

lower rate, but it can be done, if you know the proper way to shop for insurance.

Whether shopping for insurance or for anything else you plan to spend hundreds of dollars on, you need to compare different choices. In Michigan, you must get no-fault insurance with a specific minimum coverage. Other than making sure you meet the legal minimums for coverage, you just need to make sure you get the best rate.

Five Tips to Help you Find Affordable Auto Insurance

1. Compare at least Five Quotes

Comparing different companies can certainly help you find out which companies offer the best rates for your policy. This can be a tedious task, but with the help of an online quote form, you can get your quotes much faster. Of course, you still have to look at all of them and determine which one is best for you.

This process will take a little bit of time and you want to look at more than just the rate. The last thing you want is a policy that is much cheaper, but doesn’t come from a company with reliable claim service. You need to look at the rate, the coverage you get and the company itself in your comparison.

2. Ask About Discounts

There are many discounts offered for car insurance that you may be unaware of. If you don’t ask your agent or the person handling your Michigan auto insurance, you might miss out on discounts that could save you hundreds of dollars a year. Make sure you ask about any potential discounts before you buy your insurance policy.

3. Combine Insurance Policies

Another great way to save on your car insurance is to get it from the same company that you carry your homeowner’s, renters, motorcycle, life or any other type of insurance with. Nearly every company will offer a significant discount if you carry more than one type of policy with them. It’s even better if you carry three or more policies with the same company.

4. Keep Your Driving Record Clean

Probably the best advice you can get if you want cheap car insurance in Michigan is to keep your driving record clean. If you avoid getting into accidents and getting tickets, your rates will drop and it will be much easier to get cheap auto insurance in Michigan. Even one speeding ticket can cost you hundreds more each year on your policy, so make sure you abide by the law and drive safe.

5. Use an Agent

The advantage of using an agent is simple, they can compare your rates across many different companies. Yes, you can do this online with a few different comparison sites, but they don’t work with the smaller companies. They only work with a few large companies and you miss out on the possibility of getting a better rate from a smaller insurance company.

With an agent like ours at Averson Insurance Agency, this is not an issue. Some agents can compare your rates across dozens of companies and they must legally inform you of the lowest rate. You can still submit your details for a quote online, with an agent, and they can search through their database to find you the cheapest auto insurance rates in Michigan.

One Final Bonus Tip for Getting Cheaper Car Insurance

Finally, if you want to get cheap insurance, you can adjust your coverage. Of course, the state minimum is going to be the cheapest, but sometimes you can drop things you don’t really need to get a lower rate. Look long and hard at your actual policy and what each type of coverage is costing you, and then figure out what you really need and what you can eliminate.

By using all of these tips, you can save money on your Michigan car insurance. This can help to free up a little extra money for gas or something else you need it for.


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