Free Guide to Cutting Costs on Wyoming Michigan Car Insurance Online

Cutting costs on Wyoming car insurance can seem to be nearly impossible for people who are new to comparison shopping online. Consumers have so many options available that it can turn into a real challenge to locate the lowest price in Wyoming.

It’s a great practice to compare rates every six months since rates are usually higher with each renewal. Even if you think you had the best rates six months ago you will most likely find a better rate today. There is too much inaccurate information about car insurance online but we’re going to give you some good information on how to save money.

Pay less by taking advantage of discounts

The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before you will receive the discount. If you don’t get every credit possible, you are paying more than you should be.

  • Defensive Driving Course – Taking a driver safety course could cut 5% off your bill if your company offers it.
  • Auto/Home Discount – If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount when shopping for car insurance.
  • Low Mileage – Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount with certain companies.

It’s important to note that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.

Situations that might require an agent

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • Is business equipment covered while in my vehicle?
  • Which companies will insure high-risk drivers?
  • How can I get high-risk coverage after a DUI?
  • Should I put collision coverage on all my vehicles?
  • What should my uninsured motorist coverage limits be in Michigan?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my vehicle qualify for pleasure use?
  • If my vehicle is totaled, can I afford another vehicle?
  • Is my teen driver covered when they drive my company car?
  • Do I need PIP (personal injury protection) coverage in Michigan?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

What happened to insurance agents?

Some consumers would rather buy from a local agent. Educated insurance agents can point out coverage gaps and help in the event of a claim. The best thing about comparing insurance prices online is you can get the best rates and still have an agent to talk to. Buying from local insurance agencies is definitely important in Wyoming.

To help locate an agent, after submitting this form (opens in new window), your information is instantly submitted to agents in your area who will give you bids for your business. You won’t need to visit any agencies due to the fact that quote results will go immediately to your email address. How’s that for easy!

Wyoming auto insurance agents are either independent or captive

If you’re trying to find a local agent, there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Wyoming are classified as either independent or captive. While both can properly insure your vehicles, but it’s important to know how they differ because it can impact the type of agent you choose

Independent Insurance Agents

Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to get quotes from several independent insurance agents for maximum quote selection.Many can place coverage with different regional companies which may provide better rates.

Listed below is a short list of independent insurance agencies in Wyoming who may be able to give you price quote information.

  • American Guardian Agency – 508 28th St SW # Aaa – Wyoming, MI 49509 – (616) 538-9915
  • Stedman Agency – 508 28th St SW – Wyoming, MI 49509 – (616) 538-9911
  • Reno Agency – 4727 S Division Ave – Wyoming, MI 49548 – (616) 531-2000
  • Delago and Assoc Insurance – 1290 36th St SW – Wyoming, MI 49509 – (616) 538-5005
  • Christopher Insurance – 2000 28th St SW – Wyoming, MI 49519 – (616) 261-8600
Captive Insurance Agents

Captive agents work for only one company like American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. These agents receive extensive training in insurance sales and that can be a competitive advantage. Consumers often purchase coverage from captives primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

Listed below are Wyoming captive insurance agencies that are able to give price quote information.

  • Allstate Insurance – 1215 Chicago Dr SW – Wyoming, MI 49509 – (616) 452-4002
  • Farmers Insurance Group – 4251 Clyde Park Ave SW – Wyoming, MI 49509 – (616) 531-9070
  • State Farm Insurance – 1839 R W Berends Dr SW – Wyoming, MI 49519 – (616) 452-9400

To view a complete directory of car insurance agents in Wyoming, go to this page.

Selecting an auto insurance agent needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:

  • Do they assist clients in filing claims?
  • Is their price quote a firm figure or are their hidden costs?
  • Does the agency support the community they serve?
  • Which company do they place the most coverage with?
  • How often do they review policy coverages?

Once you have positive responses to these questions and an acceptable price quote, most likely you have located an insurance agency that meets your needs to insure your vehicles.

Ads can be misleading

Michigan consumers can’t ignore all the ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. All the ads make an identical promise that you’ll save big if you switch your coverage to them.

How do they all make almost identical claims?

All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a driver they prefer might be profiled as between 30 and 50, owns a home, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for these standards will have to pay more money which usually ends up with business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. This is how companies can advertise the way they do.

Because of the profiling, you need to compare many company’s rates. You cannot predict the company that will fit your personal profile best.

Additional information is located on the Michigan Office of Financial and Insurance Regulation website. Click here for link. Consumers can read state legal mandates and laws, report car insurance fraud, view agent and company licensing information, and find out industry alerts.

More quotes mean more savings

We just presented some good ideas how you can reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest premiums are with an unexpected company.

People switch companies for a variety of reasons including delays in responding to claim requests, delays in paying claims, questionable increases in premium or even not issuing a premium refund. Whatever your reason, finding a new company is not as difficult as it may seem.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at an affordable rate.