Discover the Secrets to Paying Less for Holland Auto Insurance

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us, you’re not alone.

You have so many insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it can be more challenging to get the best deal.

Smart consumers take time to price shop coverage periodically because rates change quite often. Despite the fact that you may have had the lowest price two years ago you can probably find a better price now. You can find a lot of misleading information regarding auto insurance on the web, but with this article, you’re going to get some excellent ideas to reduce your auto insurance bill.

This article will teach you the best way to quote coverages and some tips to save money. If you currently have car insurance, you should be able to cut costs considerably using these tips. Nevertheless, Michigan consumers need to have an understanding of the way companies price online insurance because it can help you find the best coverage.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. A few discounts will automatically apply when you complete an application, but less common discounts must be asked about prior to receiving the credit.

  • Save over 55 – If you’re over the age of 55, you may receive better auto insurance rates.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount depending on your company.
  • One Accident Forgiven – A few companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • Resident Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Clubs and Organizations – Participating in a qualifying organization could trigger savings on your policy.
  • Sign Online – Some insurance companies may give you up to $50 simply for signing on their website.

It’s important to understand that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will cut your premiums.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-16.jpg" alt="Holland Michigan insurance quotes“/>

To choose companies with the best auto insurance discounts in Holland, click here to view.

Don’t believe everything you hear

Companies like GEICO, State Farm and Progressive regularly use ads in print and on television. All the ads say the same thing of big savings if you move your policy. How can each company say the same thing?

Insurance companies can use profiling for the type of driver that is profitable for them. An example of a profitable customer could possibly be between 25 and 40, a clean driving record, and has a short commute. Any new insured who fits that profile will get very good rates and therefore will save when they switch companies.

Potential customers who don’t measure up to the “perfect” profile will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that much. This is how insurance companies can make the claims of big savings.

Because of the profiling, drivers must get quotes from several different companies. It’s impossible to know which insurance companies will give you the biggest savings.

Find out more about auto insurance

More information is located on the website for the Michigan Office of Financial and Insurance Regulation located here. Consumers can learn about insurance regulations, download brochures, find disaster information, and file complaints about a company.

Holland Michigan insurance quotes

Other informative sites include this link for Michigan coverage information and this page of insurance agents in Holland.

Compare but don’t skimp

Low-cost auto insurance is attainable both online and also from your neighborhood Holland agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, an insured dropped collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest price while not skimping on critical coverages.