Roseville, MI Auto Insurance Savings the Big Companies Don’t Want You to Know About

Buying affordable Roseville auto insurance on the web can seem to be difficult for consumers new to online price comaprisons. Because there are so many insurers available, how can Roseville drivers even start to compare every one to find the cheapest rates?

Take advantage of discounts

Car insurance companies don’t always list every discount in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving.

  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Own a Home – Owning a house in Roseville can save you money due to the fact that maintaining a home shows financial diligence.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • No Claims – Good drivers with no accidents pay less when compared with accident-prone drivers.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Low Mileage – Fewer annual miles could be rewarded with better rates on cars that stay parked.
  • Bundle and Save – When you have multiple policies with one company you may earn 10% to 20% off each policy.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • College Student – Any of your kids who live away from home without a vehicle on campus can be insured at a reduced rate.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.

Compare the Market for Auto Insurance in Roseville, MI

All the larger auto insurance companies quote prices for coverage directly from their websites. This process is pretty easy as you just type in your required coverages into the quote form. When the form is submitted, the system will order your credit score and driving record and generates pricing information determined by many factors.

This streamlines rate comparisons, but the work required to visit different websites and type in the same information is repetitive and time-consuming. But it is imperative to do this if you are searching for the lowest auto insurance rates.

There is a better way!save money image

A more efficient way to find cheaper rates makes use of a single form that gets price quotes from more than one company. It saves time, eliminates form submissions, and makes comparison shopping much more efficient. Once the form is submitted, your coverage is rated and you can choose any or none of the quotes returned. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

To save time and compare rates now, click here to open in new window and fill out the form. To compare your current rates, we recommend you input the limits and deductibles just like they are on your policy. This guarantees you will have a price comparison using the exact same coverages.

Get Cheaper Rates by Understanding Pricing

Consumers need to have an understanding of the different types of things that come into play when calculating your auto insurance rates. Knowing what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Men are more aggressive – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women tend to get into accidents at about the same rate, but men cause more damage. Men also get more serious tickets such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • Too many auto insurance claims drive up costs – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Companies in Michigan provide lower rates to insureds who are claim-free. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Do you have enough liability coverage? – Your policy’s liability coverage is the protection when a jury decides you are liable for personal injury or accident damage. It will provide legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Better credit scores mean better rates – A driver’s credit rating is a big factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible than drivers with poor credit. So if your credit can use some improvement, you could save money insuring your by spending a little time repairing your credit.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • When should I not file a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when pulling a rental trailer?
  • Exactly who is provided coverage by my policy?
  • Does coverage extend to a rental car in a foreign country?
  • Does my vehicle need full coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

A tidy conclusion

Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, poor customer service or policy cancellation. Whatever your reason, switching companies is less work than it seems.

save money in Roseville Michigan

Lower-priced auto insurance can be sourced from both online companies and also from your neighborhood Roseville agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and most of the time these small insurance companies sell through independent agents.

We just covered a lot of ways to save on auto insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the most savings is with the least-expected company.

More sites with auto insurance information

Additional detailed information is located at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to view a list of available companies, learn about specific coverages, read state legal mandates and laws, and file complaints about an insurance agent or broker.