Cut Your Southfield Auto Insurance Price In 6 Steps
Money saving strategies - Start saving today
1.Don't forget to ask about the discounts! Don't ever forget to ask about discounts.. When speaking with your local insurance agency be sure to ask them about all the rate reductions that you may qualify for. Most insurance carriers offer discounts for a good driving record, good grades for students, low mileage, or even for your occupation. The bottom line is if you forget to ask you could miss out on some sizeable savings opportunities.
2.Increase your deductibles. Raising your deductible increases your risk in the event of an accident. The deductible is the amount of money that you will pay out of pocket before the insurance company picks up the tab. When you raise your deductible the insurance carriers will decrease your auto insurance rate. If you choose to increase your deductible just make sure you have enough money set aside to cover yourself in the event of an accident.
3.Choose your car wisely! The type of car that you drive can play a significant role in the overall pricing of your car insurance policy. Before you purchase that next new vehicle be sure to call your local insurance agent to compare the insurance costs for several vehicles. Sometimes a more expensive vehicle can actually cost less to insure. That means that the overall cost of a more expensive vehicle may actually turn out to be less than a more economical vehicle after factoring in insurance rates.
4.Drive safely. If you are the type of driver that likes to put the pedal to the metal then you will likely pay higher Southfield auto insurance rates. Your driving history is the 1 factor used to calculate your rates. If you have tickets or accidents on your record you can expect to pay more for your Southfield MI auto insurance than those with a clean record.
5.Know your credit score. At this point all major insurance companies are using your credit history as a factor in your rate calculation. While credit is only one criteria used, it is safe to say that the better your credit is the lower your rate will be. Some companies don't way as heavily on credit criteria so it always helps to shop around.
6.Call an independent insurance agency and have them shop around. Independent insurance agencies represent multiple insurance companies rather than just one. This gives them the ability to impartially shop the competition on your behalf.
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