Midland Auto Insurance For Less Than You’re Paying Now

Overwhelmed by the dozens of auto insurance choices in Midland? You’re not alone. Consumers have so many options that it can easily become a big hassle to find lower rates.

It’s important to shop coverage around once or twice a year since insurance rates are adjusted regularly by insurance companies. If you had the best price last year you can probably find a lower rate today. So just forget all the misinformation about auto insurance because it’s time to teach you the proper way to properly buy coverages and cut your premium.

The purpose of this article is to help you learn the best way to quote coverages and some tips to save money. If you have car insurance now, you will be able to lower your premiums substantially using these tips. Michigan consumers just need to understand how to compare company rates online.

Compare the Market for Auto Insurance in Midland, MI

Finding a better price on auto insurance is not rocket science. Just spend a little time comparing price quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for separate quote forms to each individual auto insurance company. A single, simple form compares rates from all major companies. This is by far the quickest method.

Another way to find lower rates requires you to visit the website for every company you want to comare and complete a new quote form. For examples sake, we’ll pretend you want to compare GEICO, Progressive and American Family. To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Midland, click here.

The least efficient way of getting rate comparisons is to spend time driving to insurance agents’ offices. Shopping for auto insurance online can eliminate the need for a local agent unless you want the professional guidance of a local agent. You can, however, get prices online but buy from a local insurance agent and we’ll cover that in a bit.

Whichever method you choose, double check that you are using identical quote information with every price quote. If you are comparing different liability limits you will not be able to make a fair comparison in Midland.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically at quote time, but a few need to be specially asked for before you will receive the discount. If you aren’t receiving every discount available, you’re paying more than you need to.

• Government Employees – Active or retired federal employment may qualify you for a discount with certain companies.
• Early Switch Discount – Some companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• Claim Free – Good drivers with no accidents pay much less when compared to bad drivers.
• More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.

It’s important to note that many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will bring down your overall premium however.

To see a list of insurers with discount auto insurance rates in Michigan, click this link.

More resources for learning

Additional information can be found on the Michigan Office of Financial and Insurance Regulation website. Click here for link. Visitors are able to find disaster information, read consumer alerts, read enforcement actions against agents and companies, and read state legal mandates and laws.