Michigan Mopar Muscle Car Club’s first annual car show at Baker’s of Milford was a huge success! A beautiful day brought out 212 classic Mopars. Video brought to you by Insurance Planning Service of Livonia, MI. (734) 421-9900 www.ipsagency.com

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Competition among Michigan auto insurance companies has increased due to the power of the internet. In previous years, most folks pretty much stayed with their carrier instead of shopping around. But with a click of the mouse, you can shop and compare policies in the comfort of your own home.

Here are several ways to save money on your auto insurance in Michigan

Combining Coverage

If you use the same insurance carrier for your home as you do for your vehicle, you can save a substantial amount of money. Michigan Auto Insurance companies will offer a discount if you combine policies all under the same roof. That goes for additional vehicles and boats. You can combine renters and health insurance as well.

Auto Clubs

As a member of AAA or similar affiliation, you will receive lower rates and discounts on a number of things such as hotel and motel rates, movie tickets, and restaurants. So the next time you’re checking into a hotel, be sure to ask if they offer discounts with a particular membership affiliation.

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Safety Devices

Your Michigan auto insurance will be considerably less if your vehicle has safety device features such as anti-lock brakes, air bags, automatic seatbelts and an anti-theft device. Many new cars come with these features already included. Installing an alarm system or day running lights in a car you already have will lower your insurance up to 35%.

Mileage

The distance you drive on a regular basis impacts your auto insurance quote. So if you rack up a lot of miles during the week, you might want to consider carpooling or taking public transportation a couple of times a week. This will also save in fuel costs and helping the environment is always a good thing.

Driving Record

If your driving record is good and you haven’t had an accident, speeding or parking ticket in the last three years, you’ll save a ton of money on auto insurance. Check with your carrier to see if they can reduce your rate if you’ve been with them for a while and consistently have had a good record.

Continued Patronage

You may be eligible for a rate reduction for being a loyal customer in good standing. Many companies would rather give a discount than lose a good customer. Updating your information with your company is important, too. If you move to a different area or recently got married, you may receive a discounted rate. Always ask if you’re not sure.

Eliminate Excess Coverage

It’s possible you may be covered for more than you need. Check your Michigan auto insurance policy for coverage other than liability. Comprehensive and collision insurance may not be necessary if you have an older car. Other sources such as AAA may cover items such as roadside assistance or car rental reimbursement.

As you can see, there are a number of ways to save money on your auto insurance policy. So shop around. Information and insurance quotes are easily available on the internet. And then you’ll be able to make an intelligent money saving decision.

Tags: Auto, Insurance, Michigan, Money, Saving, Tips

A minimum amount of auto insurance is required in every state in the U.S. Each state has different requirements, but if you do your homework you can still save a lot of money.

This makes it very important for you to find out what the requirements are in your state. If you drive a car in Michigan you will need to know exactly what these requirements are in order to have the right coverage and still pay the least amount for your auto insurance.

Some of the minimum requirements in Michigan for example are $10,000 coverage for property damage, $20,000 for bodily injury to a person and at least $40,000 coverage for everyone that may be injured in an accident where you are at fault. Keep in mind that these minimums are subject to change so check with local insurance companies for updates.

Also know that these are minimum requirements for insurance coverage and it is always a good idea to consider having more coverage to minimize your financial risk in the event of an accident where you are at fault.

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When looking for the lowest possible insurance rates for your car, here are some simple but very useful tips to help you do just that.

The first thing to do is to only purchase the minimum requirements that Michigan describes in their state laws. You will be complying with their laws for car insurance and it will usually be pretty cheap. This is definitely one way to keep your costs down.

The reason is that if you are involved in a serious accident that creates a lot of damage, you may regret not having more coverage. The minimum coverage may not be enough to cover the cost of personal injury and property damage that is created.

Purchasing multi-line policies can also help you get cheaper car insurance from the company you use. By this I mean that if you get your car insured by the same company that you get other insurance from, like homeowner’s, life insurance, etc., you may qualify for five percent or more discount for using the same company for all of your insurance needs.

Also, if you have more than one car insured by the same company they probably offer a multi-car discount that will reduce your insurance rates even more. If you have at least three cars to insure, you can probably save a substantial amount on your car insurance and make it possible for you to get more coverage for less.

Every insurance company will also base the rates you pay on your driving record. Traffic tickets and accidents will cause them to charge you more for insurance because you are considered a higher risk to them so they will want more money from you to help offset the risk.

It literally pays you money to maintain a safe driving record. It can take three years or longer to have a traffic violation or accident removed from your record with the insurance company.

Finally, if you are shopping online for insurance(which is the best way to find the cheapest rates by the way), make sure the insurance company you get a quote from is approved for practicing business in the state of Michigan.

Tags: Cheap, Getting, Insurance, Lowest, Michigan, Rates, Tips

Annual homeowners insurance premiums in Michigan have been on the rise this decade because of increased flood claims and higher rebuilding costs. Homeowners have seen their premiums rise 85%. This trend makes it more vital than ever that you take time to shop around for homeowners insurance and make sure you’re paying the lowest possible price.

Keep Your Insurance Costs Down

To keep your homeowner insurance costs as low as possible, follow these tips:

* Set your coverage limits high enough to protect you, but not higher than your home and belongings are worth. To get accurate numbers, take an inventory of your belongings and call a realtor or builder to get an estimate of how much it would cost to rebuild your home.

* Set your deductible as high as you can afford. The deductible is the amount you pay on a claim before the insurance starts to pay. If you can afford $500 or even $1,000 out of pocket, set your deductible at that level and you’ll save 15% to 25% on your yearly premium.

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* Get all the discounts you can. Michigan homeowners insurance companies typically offer discounts for non-smokers, for having multiple policies with the same company, for installing security features, and a host of other discounts. Ask if they offer any other discounts you might qualify for and include them in your policy.

Shop Around for Insurance

Did you know that over 100 insurance companies offer homeowners insurance in Michigan? These insurance companies compete with each other to provide the lowest rates and the best service. Their rates can vary dramatically from one company to the next, which means you can save hundreds of dollars a year just by comparison shopping.

The best way to comparison shop for Michigan home insurance is to visit an insurance comparison website. At an insurance comparison website you fill out a form with information about yourself, the home you’re insuring, and your insurance needs (such as your limits and deductibles). You then receive quotes from multiple A-rated insurance companies, allowing you to easily compare the quotes and choose the company with the lowest rate.

The best insurance comparison websites even have a chat feature, so if you have any questions about homeowners insurance, you can get accurate, timely answers from trained insurance professionals.

http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Michigan homeowners insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

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Michigan Auto Insurance Quotes

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Michigan car insurance companies avoid claims payment through delay and denial tactics. This special investigation done by Channel 7 in Michigan uncovers how big auto insurance carries are depriving innocent, injured accident victims of their benefits and rights. For more information on what car accident victims are entitled to, please visit: www.michiganautolaw.com

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