10 Must-Know Tips When Shopping for Hillsdale, MI Auto Insurance

When searching for more affordable insurance, do you get overwhelmed by the dozens of auto insurance providers that you can choose from? Many other people are as well. Michigan drivers have so many providers to choose from that it can really be a difficult mission to find the best premium rates. Everyone knows Hillsdale has lots to offer, but pricey auto insurance can make it very difficult to afford good insurance coverage.

You should take the time to do price comparisons every six months because auto insurance prices change regularly. Just because you had the best rates a couple years back you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re about to learn the best way to find great coverage at a great price.

When comparison shopping, there are several ways to compare rate quotes from local Hillsdale auto insurance companies. The simplest method to compare rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

  • Experts agree that the best way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do repetitive form entry for every prospective company. A single, simple form gets rate comparisons direct from many companies. It’s definitely the quickest method.
  • A more time consuming way to compare prices is to manually visit each company’s website and get a separate price quote. For instance, let’s assume you want rates from Liberty Mutual, 21st Century and Allstate. To find out each rate you need to spend time on each company’s site and repeatedly type in your coverage information, which can get old fast. For a list of links to companies insuring cars in Hillsdale, click here.

Whichever way you choose to compare rates, compare identical coverage information on every price quote you get. If each company quotes different values for each quote you will not be able to determine the best price in Hillsdale. Even a minor difference in insurance coverages or limits may result in large price differences. It’s important to know that more quotes increases your odds of finding the best rates.

Get affordable Hillsdale auto insurance with discounts

Companies don’t necessarily list every discount in an easy-to-find place, so the following is a list of both the well known as well as the least known discounts that may be available.

  • Paperwork-free – A few larger online companies will give a small break for signing up online.
  • First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Progressive, Allstate, and Geico permit an accident before hitting you with a surcharge so long as you are claim-free for a set time period.
  • College Student Discount – Children living away from home attending college and won’t have access to an insured vehicle can receive lower rates.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings as much as 30%.
  • Low Mileage – Driving fewer miles could be rewarded with slightly better premium rates than normal.
  • Defensive Driver Discount – Taking a class that teaches defensive driving techniques could earn you a small percentage discount and make you a better driver.
  • Save over 55 – Seniors may qualify for a small discount on rates.
  • Membership in Organizations – Joining a qualifying organization could qualify you for a break on your bill.
  • Active Military Service – Having an actively deployed family member may lower your premium rates slightly.
  • Buy New and Save – Insuring a new car can save you some money since newer vehicles have better safety ratings.

Consumers should know that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, that’s just not realistic.

Some of the larger companies who may offer these money-saving discounts may include but are not limited to:

Check with each company which discounts you may be entitled to. Discounts might not be offered in Hillsdale. For a list of insurance companies who offer cheap auto insurance quotes in Michigan, click this link.Hillsdale car insurance quote

Choices you make can reduce your prices

An important part of buying insurance is that you know the rating factors that are used to determine auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with much lower annual insurance costs. Many different elements are taken into consideration when you quote your car insurance policy. Most are fairly basic like your driving record, although others are not quite as obvious like where you live or your financial responsibility.

The factors shown below are some of the major factors that factor into your rates.

  • Safer vehicles that lower premiums – Owning a car with advanced anti-theft systems can help lower your rates. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft and help lower rates.
  • How much liability insurance – Liability insurance will afford coverage when you are found liable for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so do not skimp.
  • Higher rates for policy lapses – Allowing your coverage to lapse can be a sure-fire way to bump up your auto insurance costs. And not only will insurance be more expensive, getting caught without coverage may result in fines and jail time.
  • Rate your vehicle for proper use – The higher the mileage driven annually the more it will cost to insure it. A lot of companies price each vehicle’s coverage based on their usage. Cars and trucks left parked in the garage get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your auto insurance declarations sheet is rated on the right rating data.
  • Better premiums on vehicles with better crash test results – Safer cars are cheaper to insure. Safe vehicles reduce occupant injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates.
  • Pay more by driving carelessly – Having a single speeding ticket or other violation may cause rates to rise by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance as compared to careless drivers. Drivers who have received severe violations like DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to prevent a license revocation.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I have coverage when making deliveries for my home business?
  • What vehicles should carry emergency assistance coverage?
  • Does my personal policy cover me when driving my company car?
  • Do I have any recourse if my insurance company denies a claim?
  • When should I not file a claim?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form.

More information is available on the Michigan Office of Financial and Insurance Regulation website through this link. Consumers can view agent and company licensing information, file complaints about an insurance agent or broker, and find out industry alerts.

Switch companies and save? Really?

Big name companies like Geico, State Farm and Progressive consistently run television, radio, and online ads. All the ads advertise claims that drivers will save a bundle if you change your coverage. It sounds good, but how can they all make almost identical claims? Here is how they do it.

All companies have an ideal profile for the type of driver that will add to their bottom line. For instance, a profitable risk profile could possibly be over the age of 40, has no driving citations, and drives a vehicle with a low ISO rating. Any new insured that fits those parameters is entitled to the best price as well as save a lot if they switch.

Drivers who cannot meet these criteria may be forced to pay higher premiums and business not being written. If you listen closely, the ads state “people who switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully make those statements.

Hillsdale car insurance quote

Each company has different criteria, so you really should do a quote comparison often. Because without a comparison, you cannot know which insurance companies will have the best rates for your profile.

And the best auto insurance company is…

Lower-priced auto insurance is available on the web and with local Hillsdale insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies may not have rates over the internet and these regional carriers prefer to sell through independent insurance agencies.

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, policy non-renewal, high prices or even policy cancellation. No matter why you want to switch, finding a great new company is actually quite simple.

When you , do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price and still be able to protect your assets.