Everyone wants to pay less on their bills, and there are so many ads trying to convince you to switch companies in order to save money; but according to the Insurance Information Institute and other experts, a lot of people can still find extra savings regardless of who their current Sterling Heights auto insurance company is. Here are a few ways to save with any insurance provider:
Safe driving. Speeding tickets, accidents, and other incidents or violations can not only jeopardize your safety, but also cost you a lot of money. Sterling Heights auto insurance premiums can drastically increase with certain moving violations or accidents, and inversely, many companies offer discounts for not having any over a certain period of time.
Having the right coverage for you. Changing your deductibles (the amount you pay before your insurance kicks in) can save you a great deal on your premium. Raising your deductible from $200 to $500 could lower your overall cost by as much as 30%, according to the Insurance Information Institute. It might be worth changing if you can afford higher deductibles, or you might want to consider removing collision or comprehensive coverage entirely if your car is older and worth significantly less than it was before.
Paying bills on time. When determining Sterling Heights auto insurance coverage costs, most insurance carriers use credit information. Having a good credit history can go a long way to save you money. Outstanding balances and how much available credit you have can also have an impact.
Finding discounts. You probably know about multipolicy discounts if you purchase your homeowners and auto insurance from the same company. But there are many more for drivers, including some you may not know you qualify for. For instance, owning a home could help you save on auto insurance in Sterling Heights. Be sure check with your agent to help you find all the available discounts and savings.
Shopping around. When shopping for a new car, do your research into how much it might cost to repair the model your looking at, how likely it is to get stolen, etc. When shopping around for auto insurance rates in Sterling Heights MI, an independent agent can help by doing a lot of the work for you. They get quotes from a number of different insurance companies on your behalf, making it easier to compare your options.