High-priced car insurance can drain your funds and put the squeeze on your family’s finances. Performing a rate comparison is a fast and free way to slash your bill and have more diposable income.
Because you have many companies to choose from, it is very difficult to choose the best insurer.
Finding the best car insurance in Waunakee can be fairly easy. If you are insured now or need new coverage, you can use this information to get lower rates while maintaining coverages. Wisconsin consumers only need an understanding of the best way to shop online.
These discounts can slash car insurance rates
Car insurance is not cheap nor is it fun to buy but there could be significant discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but a few need to be inquired about before you will receive the discount.
- 55 and Retired – Mature drivers may qualify for a small decrease in premiums.
- Sign Early and Save – Some companies provide a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
- Student Discounts – Excelling in school can save 20 to 25%. The discount lasts up to age 25.
- Seat Belt Discounts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
- Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
- Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less compared to accident prone drivers.
- Theft Deterent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
- Discount for Low Mileage – Maintaining low annual mileage can qualify you for cheaper rates.
- Resident Student – Kids who live away from home to go to college and do not have a car can receive lower rates.
- Paperless Signup – Certain car insurance companies give back up to $50 on the web.
Remember that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business. But all discounts will definitely lower your overall bill.
Large car insurance companies and some of the premium reductions they offer are included below.
- Progressive offers discounts including continuous coverage, homeowner, online signing, good student, and multi-vehicle.
- The Hartford may have discounts that include bundle, air bag, anti-theft, vehicle fuel type, and good student.
- Mercury Insurance includes discounts for multi-car, good driver, type of vehicle, good student, accident-free, and anti-theft.
- Geico may include discounts for defensive driver, anti-lock brakes, membership and employees, federal employee, seat belt use, air bags, and military active duty.
- AAA policyholders can earn discounts including AAA membership discount, pay-in-full, multi-policy, education and occupation, anti-theft, and multi-car.
- State Farm may offer discounts for passive restraint, Drive Safe & Save, safe vehicle, student away at school, accident-free, anti-theft, and defensive driving training.
When comparing rates, check with every company what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in Waunakee. To locate providers offering car insurance discounts in Waunakee, click here to view.
Most of the larger companies make it easy to get prices on the web. This process is pretty easy as all you need to do is type in the coverage amounts you desire into the form. Once entered, the quote system will obtain reports for credit and driving violations and returns a price quote based on the data you entered. Being able to quote online simplifies rate comparisons, but the time required to go to multiple sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you are searching for the best price possible.
Keep reading for an easier way to compare prices
A more efficient way to compare car insurance pricing uses just one form to obtain quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes rate comparisons much easier. Immediately after submitting the form, it is quoted and you can select any of the resulting price quotes.
If you find a better price you simply finish the application and buy the policy. The entire process only takes a few minutes and you’ll know if lower rates are available.
To compare rates using this form now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you copy coverages and limits identical to your current policy. Using the same limits helps guarantee you are getting rate quotes based on the exact same insurance coverage.
Six decisions that affect insurance prices
Many things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but some are less obvious such as your marital status or how financially stable you are. Part of the car insurance buying process is learning the different types of things that come into play when calculating your policy premiums. If you have a feel for what influences your rates, this enables you to make decisions that may reward you with much lower annual insurance costs.
The items below are a partial list of the pieces utilized by car insurance companies to help set prices.
- Older drivers save more – Drivers with little experience have been known to be inattentive and easily distracted with other occupants in the car so car insurance rates are higher. If you’ve ever had to add a teen driver to your policy can break the bank. Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents and get fewer tickets.
- GPS tracking and theft deterrents reduce prices – Purchasing a vehicle with anti-theft technology or alarm system can earn a premium discount. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
- Add-on coverages push up prices – There are a lot of extra coverages that sound like a good idea at the time if you don’t pay attention. Coverages like personal injury protection, accident forgiveness, and Farm Bureau memberships may be wasting your money. They may sound like good ideas when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
- Amount of liability insurance – Liability insurance provides coverage when you are determined to be liable for causing personal injury or damage in an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
- Premiums and job – Do you have a high-stress occupation? Occupations such as real estate brokersair traffic controllers and dentists usually pay higher premiums than the average policyholder attributed to intense work-related stress and lots of time spent away from family. On the flip side, jobs such as scientists, historians and performers pay the least.
- Bundle and save – Some companies will award discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other insurance prices to guarantee you are still saving the most.
Don’t assume everyone needs the same car insurance coverage
When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For example, these questions could help you determine whether you would benefit from an agent’s advice.
- Do I need special endorsements for business use of my vehicle?
- Do I need roadside assistance coverage?
- Do I need rental car coverage?
- Is rental equipment covered for theft or damage?
- Why am I be forced to buy a membership to get insurance from some companies?
- Am I getting all the discounts available?
- Are my tools covered if they get stolen from my vehicle?
- Do I have coverage for damage caused while driving under the influence?
- What happens if I owe more than my vehicle is worth?
- Do I have coverage when using my vehicle for my home business?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Car insurance quotes from local Waunakee insurance agents
Many people just prefer to visit with an insurance agent and often times that is recommended Agents are trained risk managers and give you someone to call. A good thing about getting online price quotes is the fact that drivers can get cheap car insurance quotes and still have an agent to talk to. Supporting local insurance agencies is still important in Waunakee.
After filling out this quick form, your insurance data gets sent to insurance agents in Waunakee that give free quotes for your insurance coverage. You never need to search for any insurance agencies due to the fact that quote results will go to you directly. In the event you want to compare prices from a specific company, feel free to visit that company’s website and complete a quote there.
Below are agents in Waunakee that are able to give comparison quotes.
State Farm Insurance – 5440 Willow Rd, Waunakee, WI 53597 – (608) 244-1191
Steve Myers Insurance – 1004 Quinn Dr, Waunakee, WI 53597 – (608) 849-4678
Nolan Anderson Agency – 105 E Main St, Waunakee, WI 53597 – (608) 849-5039
Allstate Insurance – 1508 Kentlands Ct, Waunakee, WI 53597 – (608) 849-3616
American Family Insurance – 509 E Main St, Waunakee, WI 53597 – (608) 849-5370
Selecting a company shouldn’t rely on just the premium amount. The following questions are important to ask.
- How long has their agency been open in Waunakee?
- Are they properly licensed to sell insurance in Wisconsin?
- Does the agency have a positive business rating?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Does the company allow you to choose your own collision repair facility?
- Are there any extra charges for paying monthly?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Buyer beware of car insurance advertising tricks
Consumers in Wisconsin constantly see and hear ads that promise big savings for switching from companies such as Geico, State Farm and Progressive. All the ads make an identical promise about saving some big amount after switching to their company.
That’s great but how can every company claim to save you money? This is the trick they use.
Companies have an ideal profile for the type of customer that earns them a profit. For example, a preferred risk may need to be a married female, carries high limits, and has great credit. A customer getting a price quote that meets those criteria will qualify for the lowest premium rates in Waunakee and have a good chance to save a lot if they switch.
Consumers who are not a match for this ideal profile will be charged a higher rate and the customer not buying. If you pay attention, the ads say “people that switch” not “everybody who quotes” save that much money. This is how companies can advertise the savings.
This illustrates why drivers should compare price quotes frequently. It is just not possible to predict with any certainty which company will have better prices than you’re paying now.
You can find cheaper coverage
Cheaper car insurance can be sourced from both online companies and with local Waunakee insurance agents, so you need to with both to get a complete price analysis. Some insurance companies may not provide online rate quotes and usually these smaller companies sell through independent agents.
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. In many cases, an insured dropped collision coverage only to discover later that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Additional information is available on the found here. Visitors are able to download brochures, find out which companies have the most complaints, and find a variety of consumer forms.