Tightwads Guide for Saving on Pontiac, MI Car Insurance

Finding affordable Pontiac car insurance can be challenging for beginners to comparing rates online. Drivers have so many companies to choose from that it can easily become more work than you anticipated to find the best price in Pontiac.

It’s a great practice to shop coverage around yearly because rates are usually higher with each renewal. Just because you had the lowest price a few years ago a different company probably has better rates today. Forget all the misinformation about car insurance because you’re about to learn the best methods to reduce your cost while improving coverage.

Compare Pontiac Car Insurance Costs

Most companies provide pricing on their websites. Getting online quotes is fairly simple as you simply enter your coverage information into the quote form. After you complete the form, the system makes automated requests for your credit score and driving record and returns a price quote determined by many factors.

Online quotes helps simplify price comparisons, but the time required to go to each company’s website and repetitively enter the same data into a form can get tiresome after awhile. But it is imperative to get many rate quotes in order to get better prices.

The easiest way to lower your car insurance bill makes use of a single form that obtains quotes from several companies at one time. It’s a real time-saver, reduces the work, and makes quoting online much more enjoyable and efficient. After sending the form, your coverage is rated and you are able to buy any of the quotes returned.auto insurance image

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to compare rates now, click here to open in a new tab and begin entering your coverage information. If you have coverage now, it’s recommended you enter the coverages as close as possible to your current policy. Using the same limits helps guarantee you will be getting comparison quotes for the exact same coverage.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but a few need to be asked for before being credited.

  • Clubs and Organizations – Participating in certain professional organizations could qualify you for a break when buying car insurance.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • No Accidents – Good drivers with no accidents can save substantially compared to bad drivers.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

Drivers should understand that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will cut the amount you have to pay.

For a list of companies with the best car insurance discounts in Pontiac, click here.

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Michigan car insurance information

Additional car insurance information is available on the Michigan Office of Financial and Insurance Regulation website located here. Michigan consumers can report car insurance fraud, discover disciplinary actions, find disaster information, and file complaints about an insurance agent or broker.

The following information may also be useful.