Category: Car

Michigan Car Insurance Discounts you may qualify for

If you want to drive in the state of Michigan you will have to have car insurance. It is against the law in every state to drive without it. Each state decides on the minimum amount of liability coverage that you must carry. If you are unable to provide proof of your Michigan car insurance from if you are stopped by a law enforcement officer you could be subject to a fine, possibly face jail time, and your driver’s license may be suspended. It’s not worth the hassle of not getting the car insurance you need. If you ask your insurance agent he can tell you what discounts his company offers. Here are a few to ask about:


  • Multi-car – if you are going to insure more than one vehicle you may qualify for the multi-car discount.
  • Bundling – bringing your other insurance policies over to one insurance company will save you money. If you brought your homeowners, life, and motorcycle insurance over to one company you will save more on all of them combines than you would for each one independently.
  • Pay upfront – one discount everyone is paying your entire premium at one time rather than break it down into monthly installments.
  • Switching discount – if you change your Michigan car insurance to another company you may find one that will give you a 5% discount just for switching your car insurance over to them.
  • Safe driver – keeping your record clean is one of the best ways of saving on your car insurance. If you have not had an accident within the past 3 years you could qualify for a safe driver discount.
  • Low claims – if you have not submitted any claims in the past you could qualify or a no-claims discount. If all the drivers on the policy have not had any convictions or claims in 5 years you might qualify for a discount.
  • Security equipment – if your car has an anti-theft device installed on it you could save from 5 to 25 percent on your Michigan car insurance. You could have an alarm system or a recovery system in order to be eligible for this savings.
  • Extra safety devices – cars that have automatic seat belts or side airbags can receive discounts for reducing the company’s liability.
  • Military discount – whether you are in the military full time, part time, or you are a retired veteran, you and your family members can receive a discount.


Get Ohio Car Insurance Quotes and save

As you search for your perfect insurance policy, you will need to get Ohio car insurance quotes to compare against the quotes of various other insurance providers to get the best deals. While this may seem like a little bit of a hassle you can actually save a lot of money by getting quotes from a variety of companies and comparing each one side by side. Generally people will compare quotes until they find the one with the best price and coverage, however others will grab the lowest priced policy and are completely happy with it.

Getting Quotes

As you get Ohio car insurance quotes, it is best to keep an open mind and ensure you are asking the same coverage from each provider. There are a few reasons for this. First, if you ask one provider for full coverage and another for the state required minimum then you won’t be able to compare the prices properly. Of course the full coverage will cost more than the minimum coverage. Secondly, some providers will offer more coverage on their minimum than others and keeping an open mind will prevent you from judging companies that may be a perfect fit.


After you get Ohio car insurance quotes, be sure to put them all together in one place. Collect as many quotes as you find necessary, around 10 to 15, then set them side by side to compare the level of coverage and price. If you find that the price is too high for your budget or the coverage is too low simply set them into a pile to recycle or throw away. You should find that this will go fairly quickly and that you will only be left with quotes within your budget.



Once you have properly sorted through your options, you have a decision to make. It is suggested to pick a quote in the middle of your price range, however the decision is completely yours. You can also look to reviews of the companies you got the quotes from to properly make a decision on the best company. However if you are making your decision based on the rating of the company and the reviews that were left, you should know that more people will spread comments about their poor service than the good experiences. Asking around is also a good option as you can trust the people you know to share both good and bad experiences.

Prevent claims: drive safely

It’s much easier to take measures now to prevent a claim than it is to deal with car repair, serious injury or worse if an accident should happen.  Most of us make careless errors every day when we drive and it’s only good luck that seems to keep us out of harm’s way. Or from filing an expensive insurance claim that will cost us even more in premiums when we’ve got to get New York car insurance quotes.

Although we can’t control what others do on the road, we can control what we do.

Pedal to the Metal

Speeding is a pretty common error on the road. Speed creeps up without our even noticing it. It’s easy to do on a highway when the flow of traffic is rushing by. But sometimes, in town, we don’t notice speed limit signs. For example, the speed limit in most school zones is 25 mph when children are present. If we miss that, it’s an expensive fine. Most of the time we’re not near a traffic cop, but if we were, we’d get a moving violation. Moving violations count against you when insurers calculate a premium. Speeding is not safe and it can be expensive, too.

Dealing with Distractions

Many local governments forbid texting while driving, but the ubiquitous nature of cell phones means it is always a distraction. Even if the phone rings and we are hands-free, it is a distraction.  Our vehicle navigation system is a distraction, too. Or maybe you are driving a car full of kids to a baseball game. Or taking your rambunctious dog to the vet.

Have you ever realized that you’ve driven a mile or two lost in thought and without any idea of how you got to your destination? It happens.  A chief cause of traffic accidents is driving while distracted. If you are at the wheel you need to be awake and aware, completely.


Risky Driving

It is a wonder more people don’t hit other cars when they change lanes, because not looking before that move is fairly common.  Most people do not even signal when they change lanes, but even that is insufficient. A good driver turns his or her head to check their blind spot. That’s one reason newer cars are offering blind spot notification—it’s a problem.

How about running a red light? Or sliding through a right turn on red without checking? You probably see these errors every day and maybe even make one or two.