Tips and Tricks to Lower Your Auto Insurance Rates in Michigan

(WXYZ) – Right now, families across America are struggling to save money in these tough times, and one of the ways they are looking to save is auto insurance.

“If you keep looking, you can find places that offer different types of discounts for who you are as a person,” said Shane Henry, president of Consolidated Agencies. want to call as well, I would do both.

According to Henry, it might be best to shop with a local agent as they can better customize your coverage, but shopping online could be beneficial for new drivers.

“The only person I would suggest buying online is if you are younger and don’t have so many assets to protect”

There are a variety of discounts drivers can take advantage of, including discounts for new drivers in your family and how you pay.

“Like something as simple as insuring your home and car together or how you pay your policy, or how you pay your policy, if you pay it in full it will be cheaper or if you pay it monthly or on a checking account, it can be cheaper, “he said.

You can also take advantage of Michigan’s new auto insurance law.

“Michigan’s auto reform isn’t a discount, it’s a significant drop in coverage,” he said.

If you take advantage of it, it will reduce your coverage for injury protection, also known as PIP.

Henry says the process requires a bit of paperwork and can be time consuming.

“If you want to take advantage of the discounts available for Michigan auto reform, give it several days to process the documents,” he said.

However, there are some savings attached. According to Henry, you can save 30-50% on average depending on the type of coverage you choose.

Henry said if you shop online, be aware that some agencies might not fully understand Michigan auto insurance law like a local agent would.

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