Discover How to Find the Lowest Price on Sterling Heights Auto Insurance

Nobody looks forward to buying auto insurance, especially when they are paying too much. Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every insurer and get the definite cheapest price

If you have insurance now or need a new policy, you can use these techniques to find better prices while maximizing coverage. Finding affordable coverage in Sterling Heights is easy if you know what you’re doing. Michigan vehicle owners just need to know how to compare price quotes over the internet.

How to Buy Sterling Heights Auto Insurance Online

There are several ways you can shop for auto insurance and some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance agencies in Sterling Heights, or you could use the web to get prices fast.

Most of the best insurance companies participate in an industry program where insurance shoppers only type in their quote data once, and every company then returns a price quote. This system prevents you from having to do quote requests to each company. To use this form to compare rates click here to start a free quote.

The one downside to pricing coverage this way is you cannot specify the providers you want pricing from. So if you want to choose from a list of companies to compare rates, we have a listing of low cost auto insurance companies in Michigan. Click here to view list.

It’s up to you which method you use, but double check that you are using identical coverage limits and deductibles for every quote you compare. If you compare different liability limits it will be next to impossible to truly determine the lowest rate in Sterling Heights.Michigan car insurance prices

Save big with these discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but some must be asked about prior to getting the savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Federal Government Employee – Employees or retirees of the government can save as much as 8% with certain companies.
  • Student in College – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.

Consumers should know that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will help reduce the cost of coverage.

But I don’t know anything about car insurance

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover whether you may require specific advice.

  • Do I benefit by insuring my home with the same company?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my vehicle covered for smoke damage?
  • Do I need roadside assistance coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Lower the Price of Insurance with These Tips

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

The list below includes some of the factors used by your company to calculate premiums.

  • Bad driving skills means higher rates – Your driving record has a huge affect on how much you pay. Even a single speeding ticket can boost insurance rates by twenty percent. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Your auto insurance rates can be influenced by your job – Occupations such as doctors, social workers and stock brokers have the highest rates because of high stress levels and lots of time spent at work. On the other hand, occupations such as pilots, students and retirees get better rates.
  • Battle of the sexes – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women are in accidents at a similar rate, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Liability coverage protects you – Your policy’s liability coverage provides coverage in the event that a jury decides you are liable for personal injury or accident damage. It will provide legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Higher safety ratings means cheaper insurance – Safer cars can get you lower premiums. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Claim-free discounts can add up – Auto insurance companies in Michigan generally give cheaper rates to policyholders who do not file claims often. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • How your age affects price – Older drivers are more cautious drivers, tend to file fewer claims and receive fewer citations. Young drivers tend to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.

Keep this in mind

Cheaper auto insurance is available online and also from your neighborhood Sterling Heights agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented a lot of information how to save on auto insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the best prices are with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

Additional information can be found on the website for the Michigan Office of Financial and Insurance Regulation located here. Visitors are able to find a variety of consumer forms, find out which companies have the most complaints, read industry bulletins, and get help finding coverage.