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Great Lakes State Agency

4800 S Cedar St
Lansing, MI 48910

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Insurance Blog

How Can I Save Money On My Auto Insurance Premium?

It is important to shop around and compare quotes from different companies when shopping for car insurance. If you have a car worth more than what you owe, you may consider increasing your collision coverage or purchasing gap insurance. Suppose you have an older car and are paying more than 5% of its value in monthly car insurance payments. When financing, consider dropping collision and comprehensive. It is wise to shop for car insurance during November and December when rates are typically the highest. Our team of experts at Great Lakes State Agency in Lansing, MI can offer professional advice. 

Keeping Clean Record & Shopping Around 

Depending on your provider, keeping a clean driving record could save you up to 15 percent on your premium. You can also try increasing your deductible from the standard amount if you are risk-averse. Increasing such can save you up to 15 percent on your premium. Shop around and compare different providers. Different agents offer different rates based on your risk level with a clean record. 

Many insurers offer a rate guarantee, so check if the company you’re considering offers one and the terms. Some insurers offer a rate guarantee if the company’s rates go up during your policy period. Next, ensure you’re getting all the discounts you’re qualified for. You can get a senior discount if you’re over a certain age. Some insurers offer a discount if you maintain a certain credit score. 

Give Us A Call

Many insurers offer a discounted rate if you agree to install a device in your car that tracks your driving habits and determines your risk level. An effortless way to save on your auto insurance is by shopping around for a new policy every year. Many insurers offer substantial discounts if you sign up for a new policy. Additionally, shop around for the best rates. For professional help, contact Great Lakes State Agency in Lansing, MI.

Comprehensive vs Collision Auto Insurance Breakdown

 Great Lakes State Agency serves the Lansing, MI community. We offer our clients multiple types of coverage so that they are prepared for whatever life throws their way. We work closely with multiple carriers across the state to help find solutions. We have developed a reputation for embracing ethical practices and treating people with integrity.

Collision vs Comprehensive Auto Insurance Breakdown

Auto insurance protects you as you travel around Lansing, MI and the surrounding areas. You are covered if anything happens while you’re on the road. An accident can occur at any moment. Liability coverage protects you if you accidentally hurt someone or damage property. If someone is riding along with you, liability coverage will take care of their medical treatment. Along with liability coverage, you also have to decide your collision and comprehensive limits.

Collision Coverage

Collision coverage protects your vehicle if it suffers damage in a crash. You are covered if your vehicle crashes into a pole, or you make an impact with another driver. You are also covered if your vehicle flips over and hits a pothole. Collision coverage handles the necessary repairs to get you back on the road quickly.

Comprehensive Coverage

Comprehensive coverage protects your vehicle in unique situations, such as potential theft. Maybe a snowstorm moves through Lansing, MI and a large chunk of ice damages the hood of your vehicle. Comprehensive coverage protects you in these instances. You can also amend your policy to provide extra coverage such as emergency towing service.  If you reside in an urban part of the city, comprehensive insurance is recommended. Look over your policy carefully.

Great Lakes State Agency Will Help You Cover Your Assets

Visit our website to learn more information about auto insurance.

Auto Insurance Facts

Auto insurance is incredibly important if you own a car, whether you drive your car all the time or only so often. If you get into trouble on the road, having comprehensive auto insurance is really important and should never be an afterthought. We will explain to you further what type of auto insurance you need, and what coverage you should consider.  

Call Great Lakes State Agency in Lansing, MI when you feel ready to discuss auto insurance, and we can talk to you about what you want, but also what you need. We service people in the state of Michigan.

Minimum coverage

All drivers in the state of Michigan need to have a minimum type of auto insurance. This insurance should cover physical harm done to other people as well as cover for damage to other people’s property. This insurance covers you in the case of an accident that involves other people and cars, but more comprehensive insurance will cover you for more than just one type of situation.

Comprehensive coverage options

If you want to consider more comprehensive coverage within your auto insurance, some of these options include:

  • You should be insured for accidents with non-insured drivers. This is great to include, as this will cover your medical and repair costs in case you hit another driver who is not insured to cover you in case of an accident. While the costs should usually come from the other driver’s insurance, the costs could be out of their reach without insurance.
  • Towing, so that you and your car can get picked up, and you are never left stranded.

If you want to discuss add-ons or new auto insurance options, call Great Lakes State Agency in Lansing, MI or request a quote on our website. 

Servicing States

  • Michigan


Partner Carriers

  • AAA
  • Accident Fund
  • American Strategic
  • Auto Owners
  • Bristol West
  • Citizens Insurance
  • Foremost
  • Hagerty
  • Hanover
  • Hastings Mutual
  • Liberty Mutual
  • Markel
  • Merchants
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • Wolverine Mutual