Car insurance companies don’t list all their discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving.
A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.
To see a list of companies who offer car insurance discounts in Kentwood, follow this link.
Companies like Allstate and Progressive regularly use ads in print and on television. All the ads make the same claim that you’ll save big if you move to their company. How do they all claim to save you money? This is how they do it.
Insurance companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a driver they prefer could possibly be over the age of 50, has no tickets, and has a short commute. Any driver who matches those parameters is entitled to the best price and therefore will save when they switch companies.
Consumers who don’t meet the “perfect” profile will be quoted higher prices and ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully make the claims of big savings. This emphasizes why drivers must get as many quotes as possible. It’s impossible to know which car insurance company will fit your personal profile best.
Even more information is located at the Michigan Office of Financial and Insurance Regulation website. Michigan consumers can view agent and company licensing information, learn about specific coverages, read industry bulletins, and view a list of available companies.
When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.
Insureds leave their current company for many reasons like poor customer service, being labeled a high risk driver, questionable increases in premium or even high prices. No matter why you want to switch, choosing a new insurance company is not as hard as you think.
You just learned many tips how you can shop for car insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with an unexpected company.