Price shopping your Port Washington auto insurance can seem to be slightly frustrating for drivers who are beginners to online price comparisons. Drivers have so many options available that it can easily turn into a real hassle to find cheaper prices.
Auto insurance rates and discounts
Companies offering auto insurance do not list every discount they offer very well, so the list below details a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you .
- Life Insurance Discount – Select companies reward you with a lower auto insurance rate if you buy some life insurance in addition to your auto policy.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
- Defensive Driver Discount – Completing a course in defensive driving is a good idea and can lower rates depending on where you live.
- Passive Restraints – Vehicles equipped with air bags may get savings as much as 30%.
- Homeowners Savings – Owning a home in Port Washington can earn you a little savings because it requires a higher level of personal finance.
- Discount for New Cars – Adding a new car to your policy can save up to 30% since new vehicles have better safety ratings.
- Early Signing – A few larger companies offer discounts for switching policies early. You could save around 10% when you .
Remember that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.
Popular auto insurance companies and their offered discounts can be found below.
- Mercury Insurance offers premium reductions for good student, anti-theft, annual mileage, location of vehicle, accident-free, and type of vehicle.
- Farmers Insurance may have discounts that include pay in full, alternative fuel, business and professional, electronic funds transfer, distant student, good student, and multi-car.
- Farm Bureau has savings for youthful driver, 55 and retired, renewal discount, multi-vehicle, multi-policy, driver training, and safe driver.
- State Farm includes discounts for defensive driving training, good driver, student away at school, Drive Safe & Save, good student, multiple policy, and Steer Clear safe driver discount.
- Allstate offers discounts for auto/life discount, anti-theft, premier plus, utility vehicle, economy car, and senior citizen.
- GEICO may include discounts for good student, anti-lock brakes, defensive driver, daytime running lights, emergency military deployment, membership and employees, and air bags.
Before purchasing a policy, check with every insurance company how you can save money. A few discounts may not be offered in Port Washington. To choose insurance companies with the best discounts in Port Washington, click this link.
There are multiple methods to shop for auto insurance, but there is one way that is less time-consuming than others. You could waste a few hours talking to insurance companies in Port Washington, or you can utilize online quotes to get prices fast.
Most car insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and every company then gives them pricing for coverage. This prevents consumers from doing quote forms to each individual auto insurance company. To find out what other companies charge click to open in new window.
The one disadvantage to comparing rates this way is that consumers can’t choose which carriers you want to price. If you would rather choose specific providers for rate comparison, we have a listing of low cost auto insurance companies in Wisconsin. View list of Wisconsin insurance companies.
You can choose any of those ways to find more affodable coverage, but try to keep the same quote information for each comparison quote. If you compare different deductibles then you won’t be able to determine the lowest rate in Port Washington. Having just a slight variation in coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that comparing more rates from different companies helps increase your odds of locating a lower rate.
Insurance agents can help
When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.
For example, these questions may help you determine if your situation will benefit from professional help.
- Am I covered when driving on a suspended license?
- Should I buy more coverage than the required Wisconsin minimum liability coverage?
- Am I covered when driving someone else’s vehicle?
- Do I have any recourse if my insurance company denies a claim?
- Do I need special endorsements for business use of my vehicle?
- What is the minimum liability in Wisconsin?
- I don’t drive much so do I pay less?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.
Better coverage you can count on
When you , never skimp on critical coverages to save a buck or two. There have been many cases where an insured cut full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.
A few companies do not offer internet price quotes regional insurance providers only sell coverage through independent insurance agencies. Cheap auto insurance can be bought on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates.
Insureds who switch companies do it for any number of reasons including policy non-renewal, policy cancellation, poor customer service or even lack of trust in their agent. Regardless of your reason, choosing a new insurance company is less work than it seems.