A very important part of the car insurance shopping experience is comparing different quotes. The comparison must include more than just looking at the rate, however. Looking at the coverage, service and reputation of the actual insurer is also important. Here are a few tips to help you when looking at multiple auto insurance quotes in Michigan.
1. Using an Insurance Agent
Agents are great because they can save you a ton of time and help you compare multiple insurance companies with just one application. Auto insurance agents in Michigan are required to give you the quote from the company with the lowest possible rate. This will give you a great place to start whenever you need to compare auto insurance quotes. However, you might need to compare a couple of agents, depending on the companies they represent.
2. Look at Different Coverage Amounts
You may think all you can afford is minimum coverage insurance, but when you look at the difference between minimum coverage and higher limit, such as a 100/300/100 policy, you may be surprised at what you can really afford. With the expensive costs of injuries and damages in the event of an accident, you might not be able to afford to choose just the minimum coverage. Make sure you ask your insurance agent about what will happen if you are involved in an accident with the different coverage amounts.
3. Consider Full Coverage
If you own a new vehicle and you’re making payment, full coverage will most likely be required. The finance company needs to make sure the vehicle is protected and it will also help you if something does happen. Make sure you understand the optional coverage choices, while comparing quotes for Michigan auto insurance. Without collision and comprehensive insurance coverage, you may be out your vehicle in a serious accident.
4. Compare any Potential Discounts
Some insurance companies will offer larger discounts for the same things than others will. Make sure, whenever you’re comparing Michigan auto insurance quotes, you look at the different discounts offered by each company. You may receive discounts for things you haven’t even considered, such as an auto club or a discount for an anti-theft device on your vehicle. Most insurers will be similar with the actual discounts they offer, but one company may offer a larger discount than another will.
5. Reputation Matters
Your agent will help you choose the right company for you and most agents won’t represent companies they don’t like dealing with. The reputation of the auto insurance company matters. If you choose a company with a reputation for fast, friendly and efficient customer service, you will be happy you did, if you’re involved in an accident. This could be the one thing that tilts the scale in favor of a company with a slightly higher rate than another does.
Making the Final Insurance Decision
With the help of a trusted insurance agent, you can make the final decision. Agents work with the large insurance companies every day and they know what you’re getting into with each company. They can help you choose the best coverage amount and the right company to provide fantastic customer service for all your needs. It’s important to choose the right company and trusting your agent will make a huge difference.
Even though you need auto insurance to legally drive in the state of Michigan, you also need to make the right decision. This isn’t something to be taken lightly. Take the necessary time to compare multiple auto insurance quotes in Michigan before you choose the right insurance coverage and company for your needs.