Comparison shopping for Madison Heights auto insurance is always nearly impossible for people who are new to shopping for insurance online. Drivers have so many companies to choose from that it can turn into a real challenge to find lower rates in Madison Heights.
Are you getting all your discounts?
Car insurance companies don’t list every discount very clearly, so we researched both the well known as well as the least known auto insurance savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.
- Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.
- One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Early Signing – A few companies offer discounts for switching policies prior to your current policy expiration. This can save 10% or more.
- Own a Home – Owning a home in Madison Heights can save you money due to the fact that maintaining a home shows financial diligence.
- Sign Online – A few companies may give you up to $50 just for signing your application online.
- Military Rewards – Being deployed with a military unit can result in better rates.
- Multiple Cars – Having all your vehicles on the same auto insurance policy can get a discount on all vehicles.
- Memberships – Affiliation with certain professional organizations may earn a discount when buying auto insurance.
- Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
- Safe Drivers – Safe drivers may receive a discount up to 45% less than their less cautious counterparts.
It’s important to understand that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.
Auto Insurance Comparison Rates in Madison Heights, Michigan
All major auto insurance companies such as Progressive, Allstate and GEICO quote coverage price quotes on their websites. This process is pretty painless as you simply type in your coverage information into a form. Upon sending the form, the company’s rating system requests your driving and credit reports and generates pricing information based on these factors.
This helps simplify price comparisons, but the time required to go to multiple sites and complete many quote forms can get tiresome after awhile. But it is imperative to do this in order to get better prices.
A less time-consuming method to find cheaper rates utilizes a single form that gets price quotes from several companies at one time. It saves time, requires less work, and makes online shopping much more efficient. After sending the form, it is quoted and you can select any or none of the quotes that you receive. If you find a better price you can simply submit the application and buy the new coverage. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.
To save time and find out how much you can save on auto insurance, click here and submit your coverage information. If you currently have coverage, we recommend that you enter the limits and deductibles identical to your current policy. This helps ensure you’re receiving an apples-to-apples comparison for the exact same coverage.
When might I need an agent?
When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.
These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.
- Can I afford to pay high deductible claims out of pocket?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I have coverage when making deliveries for my home business?
- Do I really need UM/UIM coverage?
- Where can I get insurance after a DUI in Michigan?
- Is my teen driver covered when they drive my company car?
- Is business equipment covered while in my vehicle?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Better coverage you can count on
You just learned some good ideas how to reduce auto insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced auto insurance comes from the least-expected company.
As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice physical damage coverage and learned later that it was a big mistake. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
People leave their current company for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, high rates after DUI convictions or policy non-renewal. No matter why you want to switch, choosing a new insurance company can be pretty painless.