Tips for Saving Money on Auto Insurance in Michigan

Competition among Michigan auto insurance companies has increased due to the power of the internet. In previous years, most folks pretty much stayed with their carrier instead of shopping around. But with a click of the mouse, you can shop and compare policies in the comfort of your own home. Here are several ways to save money on your auto insurance in Michigan Combining Coverage If you use the same insurance carrier for your home as you do for your vehicle, you can save a substantial amount of money.

Michigan Auto Insurance companies will offer a discount if you combine policies all under the same roof. That goes for additional vehicles and boats. You can combine renters and health insurance as well. Auto Clubs As a member of AAA or similar affiliation, you will receive lower rates and discounts on a number of things such as hotel and motel rates, movie tickets, and restaurants. So the next time you’re checking into a hotel, be sure to ask if they offer discounts with a particular membership affiliation.

Safety Devices: Your Michigan auto insurance will be considerably less if your vehicle has safety device features such as anti-lock brakes, air bags, automatic seatbelts and an anti-theft device. Many new cars come with these features already included. Installing an alarm system or day running lights in a car you already have will lower your insurance up to 35%.

Mileage: The distance you drive on a regular basis impacts your auto insurance quote. So if you rack up a lot of miles during the week, you might want to consider carpooling or taking public transportation a couple of times a week. This will also save in fuel costs and helping the environment is always a good thing.

Driving Record: If your driving record is good and you haven’t had an accident, speeding or parking ticket in the last three years, you’ll save a ton of money on auto insurance. Check with your carrier to see if they can reduce your rate if you’ve been with them for a while and consistently have had a good record.

Continued Patronage: You may be eligible for a rate reduction for being a loyal customer in good standing. Many companies would rather give a discount than lose a good customer. Updating your information with your company is important, too. If you move to a different area or recently got married, you may receive a discounted rate. Always ask if you’re not sure.

Eliminate Excess Coverage: It’s possible you may be covered for more than you need. Check your Michigan Auto Insurance Policy for coverage other than liability. Comprehensive and collision insurance may not be necessary if you have an older car.

Other sources such as AAA may cover items such as roadside assistance or car rental reimbursement. As you can see, there are a number of ways to save money on your auto insurance policy. So shop around. Information and insurance quotes are easily available on the internet. And then you’ll be able to make an intelligent money saving decision.

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About the Author:
Guy Sawicki is an insurance agent in the state of Michigan and he helps his clients get the best rate for Michigan Auto Insurance. He uses RateElert.com, a site that allows him to combine the power of the internet to match the best rate for auto insurance for his clients.