Discover the Secrets to Paying Less for South Lyon, MI Car Insurance

Do you get frustrated by the crazy number of car insurance sources in South Lyon? You have so many options that it can really be a challenge to find the perfect company for you. South Lyon is an awesome place to live, but expensive premiums for car insurance can make it difficult for lots of drivers to maintain proper levels of coverage.

Smart consumers take time to compare prices every six months because insurance prices change frequently. If you had the best rates at your last renewal you will most likely find a better rate quote today. There are lots of tips to save on car insurance on the internet, but I’m going to show you some of the best techniques to slash your car insurance rates.

If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Buying affordable coverage in South Lyon is simple if you know the tricks. But Michigan consumers must learn how insurance companies price insurance differently and take advantage of how the system works.

Drivers save money with these discounts

Companies that sell car insurance do not list their entire list of discounts very well, so the next list breaks down both the well known and also the more inconspicuous car insurance savings.

  • ABS Braking Discount – Cars that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% depending on your company.
  • Low Mileage Discounts – Driving less could earn lower rates on the low mileage vehicles.
  • Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
  • E-sign – A few larger online companies will provide an incentive just for signing your application over the internet.

Discounts lower rates, but most discounts do not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies and a partial list of their discounts are outlined below.

  • State Farm may include discounts for driver’s education, defensive driving training, passive restraint, multiple autos, and anti-theft.
  • Farmers Insurance offers premium reductions for distant student, bundle discounts, homeowner, switch companies, business and professional, and pay in full.
  • Progressive may offer discounts for multi-policy, online quote discount, online signing, continuous coverage, and good student.
  • Geico policyholders can earn discounts including emergency military deployment, defensive driver, membership and employees, good student, federal employee, daytime running lights, and anti-theft.
  • Auto-Owners Insurance offers discounts for safe vehicle, multi-policy, air bags, anti-theft, paid in full, and safe driver.
  • The Hartford discounts include good student, driver training, bundle, air bag, vehicle fuel type, anti-theft, and defensive driver.
  • Farm Bureau has discounts for multi-policy, 55 and retired, youthful driver, driver training, renewal discount, and safe driver.
  • USAA offers discounts including good student, new vehicle, vehicle storage, multi-vehicle, military installation, and driver training.

If you need lower rates, check with every insurance company which discounts can lower your rates. Some discounts may not apply to policyholders in South Lyon. If you would like to view providers with the best car insurance discounts in South Lyon, click here.

What insurance coverages do I need?

When buying coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.<img class="alignright" style="padding-top:15px" src="" alt="South Lyon insurance quotes” />

  • Are all vehicle passengers covered by medical payments coverage?
  • Will my rates increase for filing one claim?
  • Is rental equipment covered for theft or damage?
  • Am I covered when pulling a rental trailer?
  • How high should my medical payments coverage be?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Local South Lyon insurance agencies and car insurance

A small number of people would rather buy from a local agent and there is nothing wrong with that. One of the best bonuses of comparing rate quotes online is the fact that you can find lower prices and still buy from a local agent. And buying from neighborhood agents is important especially in South Lyon.

For easy comparison, once you complete this quick form, your insurance coverage information gets sent to participating agents in South Lyon that provide for your insurance coverage. There is no need to search for an agent because quoted prices will be sent to your email. You can find lower rates without a big time investment. In the event you want to compare rates from a specific insurance company, just search and find their rate quote page and fill out their quote form.

Below are agents in South Lyon that are able to give comparison quotes.

  • State Farm Insurance – 121 E Lake St, South Lyon, MI 48178 – (248) 437-1268
  • Osterdale Insurance Svc – 1036 Equestrian Dr, South Lyon, MI 48178 – (248) 446-7342
  • Allstate Insurance – 22322 Pontiac Trl, South Lyon, MI 48178 – (248) 486-2800
  • AAA Insurance – 582 N Lafayette St, South Lyon, MI 48178 – (248) 437-1729

If you want to pick from agents near you, view this full listing of South Lyon car insurance agencies.

Choosing an company should depend on more than just a low price. These are valid questions to ask:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Does the company use OEM repair parts?
  • Is the agency covered by Errors and Omissions coverage?
  • Do they have 24-hour customer assistance?
  • Does the agency have a good rating with the Better Business Bureau?
  • Which companies can they place coverage with?
  • Do they specialize in personal lines auto insurance?
  • How many years of experience in personal auto insurance do they have?

Save $484 a year. For real?

Car insurance companies such as 21st Century, Allstate and State Farm seem to constantly run ads in print and on television. All the companies tend to make the same promise about how much you will save just by switching to their company. Is it even possible that every company can have lower policy pricing? It’s all in the numbers.

Different companies have an ideal profile for the type of customer they prefer to insure. An example of a desirable risk might be described as between 30 and 50, has never had a policy lapse, and chooses high deductibles. A customer that hits that “sweet spot” will get a cheap rate quote as well as cut their rates substantially.

Consumers who do not match those criteria will get more expensive rates which results in the customer not buying. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save that much. That’s why insurance companies can state the savings.

South Lyon MI car insurance

Because each company has a different risk profile, drivers must do a quote comparison often. It’s just too difficult to predict which car insurance company will have the best premium rates.

More Michigan car insurance resources

More information can be found on the located here. Visitors are able to find out which companies have the most complaints, learn about specific coverages, learn about insurance regulations, and report car insurance fraud.

Keep this in mind

Discount car insurance is definitely available online and from local agencies, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer rate quotes online and many times these smaller companies work with independent agents.

Insureds change insurance companies for a variety of reasons including high prices, unfair underwriting practices, poor customer service or policy non-renewal. No matter why you want to switch, finding the right car insurance provider can be easier than you think.

When getting , do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced collision coverage only to regret that it was a big mistake. The aim is to buy enough coverage at the best cost, not the least amount of coverage.