subject: Michigan Auto Insurance – Discounts You May Not Know About [print this page] Michigan Auto Insurance Discounts You May Not Know About
Getting Michigan auto insurance is not difficult at all. Getting affordable insurance though is another story. The fact is that even in tough economic times, the cost of insuring a car or much of anything else nowadays is almost unfathomable. Nevertheless, vehicle insurance is required by law, and thus you must have it for all the cars you drive. Fortunately, there are discounts in place that can save you a significant amount of money a month in insurance premiums. Here is a list of a few of these discounts of which you may or may not be aware.
Environmental Discount
If your car is good for the environment, you may be able to get a discount on your coverage plan. As part of the "going green" campaign, insurance companies are trying to encourage their customers to buy hybrid and fuel-efficient vehicles. If you have a car that is made specifically to minimize your footprint on the world, you could be missing some discounts available to you. Ask your insurance agent for more information.
Color Discount.
This is something that is automatically calculated when you find out your insurance premiums, but you can see a lowered insurance premium if you drive a car of a certain color. Red and yellow are the two highest paying colors to insure because companies assume people who drive those colors of cars are going to be flashier. Thus, they will be riskier behind the wheel. Vehicles in colors like white and silver are usually not as expensive to insure, even if the savings is minor.
Multi-Car Discount
You could save a great deal of money a month by simply combining all the vehicles in your household into one Michigan car insurance plan. You will get a discount because the insurance companies want as much of your business as possible, and they will pay better money to have multiple plans from you with them. You may still have to pay top dollar if you are covering a teen driver, but there is a little discount you can see on each policy.
Multiline Discount
A multiline discount is used when you open up more than one kind of insurance with your car insurance company. This additional insurance could be anything from homeowner's insurance to life insurance. As long as you are using the other form of insurance, you might as well combine it with other payments you make. Not only will you see the discount, but you will also be able to get everything own to one monthly payment to manage. There are not additional discounts for each line you open, so be aware of that as you start bundling. You can still see good savings though.
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