Car, Home, Toys, and Life Insurance Resource Center

Welcome to the best Michigan insurance resource! Michigan has the most unique insurance laws in the United States. Learn about what it takes to be insured properly as a Michigander. Get saving tips, mandatory coverage amounts, and answers to many frequently asked questions.

Insurance Where You Live


29
Jun 13

Best Time to Get a Car Insurance Quote

Yes, preferred times do exist to get a car insurance quote. Take advantage of the best time to get a quote in order to save some extra cash and make the entire process a little smoother. Planning ahead of time almost always benefits you.

3 Best Times to Shop Car Insurance Quotes

  1. The best time to get a car insurance quote is when you receive your renewal paperwork in the mail. Renewal paperwork typically comes 45 to 30 days before your actual renewal. Renewal paperwork consists of a declaration page and other pages of legal jargon. Use your declaration page as a tool to get other car insurance quotes. Let your prospective new insurance company review your current policy. It will allow them to quote your coverage as similarly as possible. Switching at your renewal will also make it so your payments come to a clean break. You won’t owe your insurance carrier any money and they won’t owe you any money.
  2. Get a car insurance quote more than 8 days before you actually want to switch. Many insurance carriers offer an extra discount for getting a quote in advance. The advance quote discount will save you some money and usually sticks with the policy for as long as you have it. Insurance carriers love responsible drivers. Shopping ahead of time and not waiting until the last minute shows responsibility. In return, you receive a discount.
  3. When calling around to get quotes, do so in the morning hours. By calling in the morning, you are more likely to get your quote the same day. Potential agents will be more on their game when compared with calling at the end of the day.

One car insurance perk is that you can switch at anytime. Yes getting a quote ahead of time might save you a few dollars, but sometimes you need to get a car insurance quote fast. Just because some remember a smoother transaction can be taken place if you wait for your renewal.

Suggested Reading


27
Jun 13

5 Reasons to Get a Car Insurance Quote

  1. Sick of Not Getting Calls Back From Your Agent: You deserve better! It is easy to find agents who are never at the office or do not return your phone calls. If your agent never seems to be available, do something about it. Start getting car insurance quotes from other agents who actually want your business.
  2. Price Goes Up Every Six Months: Tired of seeing your car insurance bill go up every six months without any changes to your driving record? It might be time to start shopping. Car insurance rates are always changing. They may be changing with other insurance carriers too. It never hurts to get car insurance quotes to make sure you are getting the best rate available to you.
  3. Improved Driving Record: You have put in the dedication of keeping your driving record clean for the last three years. Your last ticket has finally fallen off your record and your insurance carrier rewards you with a five dollar decrease in rates. Once again, it is time to get a car insurance quote or two. Maybe you were with a high risk insurance carrier and now you are eligible for a preferred carrier. Check it out, you might be surprised how much you are able to save.
  4. Horrible Claims Service: So you filed your first car insurance claim and were shocked at the unorganized mess your claim turned into. The handling of claims is the heart of every insurance carrier. Unfortunately it is difficult to know how your insurance carrier will perform in your time of need. If you are not satisfied with their work, start getting some insurance quotes from other carriers.
  5. You are Moving: It is not required to switch insurance carriers as long as you are staying in the same state. It may be more convenient though. It can be nice to actually go into your insurance agency from time to time. There is something to be said for personal interaction with your insurance agent. Consider switching to a local agent if you are moving to a new city.

Further Reading


27
Jun 13

How to Get a Car Insurance Quote

Purchasing a car insurance policy begins by getting car insurance quotes. In order to find the best insurance rate, you will need to get quotes from a couple of different sources. When getting quotes focus on a couple of main aspects to narrow your search of the perfect car insurance policy for you.

Provide Accurate Information

  • Name, address, and birth date for all drivers
  • Any tickets or accidents for all drivers
  • Prior car insurance liability limits
  • Vehicle VIN numbers and or year, make, and model

Providing accurate information is a necessity for an accurate quote. Not disclosing tickets or being unsure of your prior liability limits could make for a drastic difference in price. Once you go to purchase a quote all the details are finalized and you could end up with a different price than the original quote if you are not being completely honest.

Request the Same Coverage with Every Quote

  • Select Liability Limits
  • Select Comprehensive and or Collision
  • Select Deductibles

It is okay to check prices of different coverages, but when shopping around make sure you are comparing the same coverage from one insurance company to another. Insurance quotes come highly customized and it is easy to forget to make certain quotes match apples to apples.

Check with Different Types of Insurance Companies

  • Online Insurance ex: Esurance, Geico, Progressive
  • Captive Agents ex: Allstate, State Farm, Nationwide
  • Independent Agents ex: Multiple carriers with one agent Allied, AutoOwners, Safeco

Spreading out your quote search by checking with different types of companies, you are more likely to find the best company for you. It is not necessary to get a quote from every single insurance carrier. Find one you are comfortable with and is offering a fair rate when compared with a couple of others.

Do Not Forget About Service

  • Friendly agent or representative
  • Knowledgeable about their product
  • Fast to get back with you
  • Easy to use website if purchasing online

Getting a quote is the first test of potential future customer service. You will be dealing with this agency or website on a regular basis. It only makes sense to make sure the agency is reliable and competent to handle your business. Ask lots of questions to get a feel for the agent.

Keep Track

  • Price
  • Coverage
  • Customer Service

Keep track of all the categories. Write down the price, the coverage, and customer service experience for every quote you get. It will make it easier to make an educated decision on which quote is the best for you. Now you know how to get quotes, get to work. Lots of reasons exist to get car insurance quotes including because it can save you money. With a little effort, you will be set with your new car insurance policy in no time.

Suggested Reading