Ok, so nobody wants to pay more for your auto insurance but follow these 5 steps and you will be sure to pay more for your auto insurance policy.

1. Keep the same insurance agent and insurance company for as long as possible. I

am still amazed at how many people I talk to that have had the same agent and company for 10+ years! Let’s face it, there are some differences in insurance companies but when it comes to your personal auto insurance most companies will have similar customer service and claims handling. So first you should talk to an independent insurance agent so they can get an auto insurance quote from multiple companies. Then you should have your insurance agent get a new auto insurance quote at least every year and definitely every 2 years. As you get older or your kids start driving the auto insurance rates are very different among companies and you could be surprised how much more you might be paying than other companies.

2. Get a ticket or accident and to really increase your premiums get a drinking and driving ticket. Of course you know that getting a ticket or accident will likely increase your auto insurance premiums but a drinking and driving ticket will not only cause you to pay more for insurance, it will most likely get your auto insurance canceled and force you to go to a sub standard insurance company that will charge you anywhere from 2 – 5 times what you were paying before.

3. Buy your 16 year old child a brand new car to drive. Now if you are buying a brand new car for your child you may not worry about the high insurance premiums but having a young driver listed as the driver of a new vehicle you can be sure to have a nice increase in insurance cost. My advice has always been to get a lower cost vehicle and don’t put comprehensive or collision coverage on it. You will still be paying quite a bit but it will help keep the cost down.

4. Let your Uncle Eddie live at your house without his own auto insurance. Most insurance companies now pull reports that show licensed drivers in a household. If Uncle Eddie shows up at your address they will want to see proof of his auto insurance or they will add him to your policy. Now this might not cause a huge increase but my guess if his name is Uncle Eddie he might have some tickets or accidents on his record which will definitely give you a nice increase in cost.

5. Move to Detroit. Detroit was recently listed as the most expensive city for auto insurance. If  you combine the Michigan no fault auto insurance system (still offers unlimited medical benefits) and that high number of auto claims in the city of Detroit and you get the highest insurance cost in the country. This is not unique to Detroit. If you go to any major city in your state you will likely pay 20% or more for your auto insurance. This is simply because there are more people and more traffic and more claims for the insurance company.

If you think you have followed any of the 5 steps, give us a call at (888) 581-0331 and see if we can help. Or click on the link below:

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Cranson Insurance Agency specializes in Michigan auto insurance quotes, Livonia Auto insurance quote, Novi Auto Insurance quote, Detroit Auto Insurance quote, Northville Auto Insurance quote, Royal Oak Auto Insurance quote, Bloomfield Auto Insurance quote, Birmingham Auto Insurance quote, Warren Auto insurance quote, Oakland Auto Insurance quote, Wayne County Auto Insurance Quote, Washtenaw Auto Insurance Quote, Ann Arbor Auto Insurance quote, business insurance quotes, workers compensation insurance quotes, health insurance quotes, disability insurance quotes and life insurance quotes in Oakland County, Washtenaw County, Kent County, Cook County and Wayne County, plus the entire states of Arizona, Michigan, California, Illinois, Indiana, Ohio, Oklahoma, Missouri and New Jersey and New Mexico.

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