Insider Techniques for Low-Cost Burton Car Insurance

Price shopping your Burton car insurance is nearly impossible for beginners to comparing rates online. There are so many options that it can quickly become a real hassle to find the best price in Burton.

You need to check car insurance prices occasionally due to the fact that insurance rates are constantly changing. Just because you had the lowest rates a year ago you can probably find a better price now. So just forget anything you know (or think you know) about car insurance because you’re about to learn how to quote online to reduce your cost while increasing coverage.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but some must be specially asked for before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

Defensive Driver – Completing a course in driver safety could save 5% or more if you qualify.
Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accidents.
E-sign – A few companies give back up to $50 for buying a policy and signing up over the internet.
Fewer Miles Equal More Savings – Fewer annual miles can earn a substantially lower rate.
Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
Homeowners Pay Less – Owning a home in Burton may trigger a car insurance policy discount because owning a home demonstrates responsibility.
Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for new cars.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. But all discounts will cut your overall premium however.

To choose providers with discount car insurance rates in Burton, click here to view.

Comparison of Car Insurance in Burton, MI

Comparing car insurance rates can be exhausting if you aren’t aware of the most efficient way to do it. You could waste a few hours talking about coverages with local insurance agents in Burton, or you could use the web to get the quickest rates.

Most of the best insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and at least one company provides a quote determined by their information. This system prevents you from having to do quote requests to each individual car insurance company.

To find out what other companies charge click here to start a free quote.

The single downside to pricing coverage this way is you can’t choose which carriers you will receive quotes from. So if you prefer to choose specific insurance companies to compare, we have a page of car insurance companies in Michigan. Click here for list of insurance companies in Michigan.

Which method you use is up to you, but make absolute certain that you use the exact same coverage limits and deductibles for each price quote. If you enter different values for each quote then you won’t be able to determine which rate is truly the best in Burton.

How your Burton rates are determined

An important part of buying insurance is that you know the different types of things that go into determining car insurance rates. Understanding what determines base rates allows you to make educated decisions that will entitle you to better car insurance rates.

Consolidate policies to earn discounts – Most companies will give a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to compare rates to ensure the best deal. You may still be able to find better rates by splitting coverages up.
Liability insurance protects assets – The liability section of your policy is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
No coverage gaps is important – Having an insurance coverage lapse will be a fast way to increase your car insurance rates. Not only will you pay more, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with the Michigan motor vehicle department.
Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Careers like lawyers, executives and stock brokers have the highest rates attributed to stressful work requirements and long work days. On the other hand, occupations such as pilots, students and homemakers get better rates.
Tickets mean higher rates – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers with clean records get better rates than their less careful counterparts. Even a single ticket may increase your cost forty percent or more. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
Being married is a good thing – Having a spouse helps lower the price on your policy. Having a spouse translates into being more mature and it’s statistically proven that being married results in fewer claims.
Extra add-on coverages are wasting money – There are many extra bells and whistles that you can buy on your car insurance policy. Coverages like vanishing deductibles, towing coverage and additional equipment coverage are examples of these. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
Keep rates low by being claim-free – Auto insurance companies in Michigan generally give cheaper rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for larger claims.

When should I use an insurance agent?

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique. Burton auto insurance

For example, these questions can help discover if your situation may require specific advice.

Do I need rental car coverage?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered if I crash into my own garage door?
What is covered by UM/UIM coverage?
Am I covered by my spouse’s policy after a separation?
Should I put collision coverage on all my vehicles?
Is my vehicle covered for flood damage?
What is the difference between comprehensive and collision coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Car Insurance through a local agent

Some consumers would rather get advice from a local agent and that is OK! Educated insurance agents can answer important questions and help file insurance claims. The biggest benefit of comparing insurance prices online is that you can obtain better rates but also keep your business local. And supporting local agencies is important especially in Burton.

Upon completion of this form (opens in new window), your coverage information gets sent to companies in Burton who will battle for your business. You don’t have to drive around as quotes are delivered straight to your inbox. Now that’s easy!

What types of insurance agents are in Burton?

When researching a reliable agent, you must know there are a couple types of agencies to choose from. Agents are categorized either independent (non-captive) or captive. While both can write coverage properly, but it’s worth learning how they differ because it can impact your agent selection.

Independent Agents (or Brokers)

Independent agents are not employed by any specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.

When comparison shopping, it’s a good idea to get quotes from multiple independent agents to get the best comparison. They often place coverage with lesser-known insurance companies which may provide better rates.

The following is a list of independent insurance agents in Burton that may be able to provide price quote information.

Johnson-Miller Agency – 3312 S Center Rd – Burton, MI 48519 – (810) 744-4850
Brian Hickman Agency – 3374 S Center Rd # 105 – Burton, MI 48519 – (810) 743-8500
Diederich Agency – 6010 Davison Rd # B – Burton, MI 48509 – (810) 244-6111
National Insurance Advisors – 3309 Associates Dr – Burton, MI 48529 – (810) 742-5926
Randall Loisel Insurance – 1022 N Genesee Rd – Burton, MI 48509 – (810) 744-2222

Captive Insurance Agents

Captive insurance agents have only one company to place business with such as State Farm, AAA, Farmers Insurance or Allstate. They are unable to place coverage with different providers so it’s a take it or leave it situation. They receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes buy from captive agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.

Below are Burton captive agents that can give you price quote information.

State Farm Insurance – G1182 E Hemphill Rd – Burton, MI 48529 – (810) 743-8150
Allstate Insurance – 1372 E Bristol Rd – Burton, MI 48529 – (810) 715-2856
Farm Bureau Insurance – 3312 S Center Rd – Burton, MI 48519 – (810) 744-2223

To view a complete directory of car insurance agents in Burton, visit this site.

Selecting a car insurance agent shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

What is the agency’s Better Business Bureau rating?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Who are their largest clients?
Do they review policy coverages at every renewal?
Will their companies depreciate repairs to your car based on the mileage?
Are there any discounts that you might be missing?
Did they already check your driving record and credit reports?

After getting positive responses to any questions you have and a good coverage price, you’ve probably found a car insurance agent that is a good match to insure your vehicles.

In the end, you save

We just covered quite a bit of information on how to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest rates come from some of the lesser-known companies.

The cheapest car insurance is available online as well as from independent agents in Burton, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Additional Michigan car insurance resources

More information is available on the Michigan Office of Financial and Insurance Regulation website located here. Michigan consumers can learn about specific coverages, file complaints about an insurance agent or broker, and discover disciplinary actions.

Additional helpful sites include QuoteClickInsure.com and this link which helps you find a Burton agent.