Save Money on Lansing, MI Car Insurance Rates in Five Minutes

Sick and tired of not being able to afford to insure your vehicles every month? Your situation is no different than many other drivers in Michigan.

Companies like Allstate, Liberty Mutual and State Farm continually hit you with ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

If you currently have car insurance, you will be able to cut costs considerably using this strategy. Buying car insurance in Lansing is easy if you know what you’re doing. But Michigan consumers must understand how insurance companies sell online and apply this information to your search.

These discounts can slash car insurance rates

The cost of insuring your cars can be expensive, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but a few must be inquired about before you get the savings.

  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Accident Forgiveness – A few companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Defensive Driving Course – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.
  • Fewer Miles Equal More Savings – Keeping the miles down could qualify for lower rates on the low mileage vehicles.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.

It’s important to understand that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.

Lansing Car Insurance Quote Comparison

When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The easiest way to find the lowest rates consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The recommended way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating a different quote to each individual car insurance company. Taking the time to complete one form compares rates from multiple low-cost companies.
  2. A slightly less efficient method to compare prices requires a trip to each individual company website to request a price quote. For sake of this example, let’s assume you want to compare Liberty Mutual, State Farm and American Family. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in Lansing, click here.
  3. The least efficient way to compare rates is to waste gas driving to different agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you have a need for the professional advice only provided by licensed agents. However, consumers can comparison shop your insurance online but buy from a local insurance agent. We’ll cover that shortly.

Whichever method you choose, make darn sure you compare identical coverage limits and deductibles for each price quote. If you enter different limits and deductibles on each one it will be next to impossible to make a fair comparison in Lansing. Slightly different limits may result in large price differences. And when comparison shopping, comparing a large number of companies helps you find a lower rate.

It’s not one size fits all

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can help discover whether you might need professional guidance.

  • How can I get high-risk coverage after a DUI?
  • Is my custom paint covered by insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered by my spouse’s policy after a separation?
  • Do I benefit by insuring my home with the same company?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Compare but don’t skimp

Cheap car insurance is definitely available from both online companies in addition to many Lansing insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

As you prepare to switch companies, never reduce coverage to reduce premium. There have been many cases where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.