Sick and tired of trying to scrape together enough money to insure your vehicles every month? You are in the same boat as many other Wisconsin consumers. Multiple insurers compete to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the cheapest price
Consumers need to compare prices before your policy renews because prices tend to go up over time. Just because you had the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the best ways to lower your rates without sacrificing coverage.
If you have a policy now or are just looking to switch companies, you will benefit by learning to find better prices and still get good coverage. Finding the best rates in South Milwaukee is not rocket science. Wisconsin consumers only need an understanding of the proper way to get comparison quotes online.
What determines how much you pay?
Smart consumers have a good feel for the different types of things that go into determining car insurance rates. Understanding what influences your rates allows you to make educated decisions that can help you get better car insurance rates.
- Your location affects your rates – Being located in a rural area can be a good thing when buying car insurance. Urban drivers have much more traffic and longer commute times. Fewer people means reduced accidents.
- Safer cars are cheaper to insure – Cars with high safety ratings get lower rates. Safer cars result in less severe injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders.
- Being married can save on car insurance – Getting married helps lower the price on your car insurance policy. Marriage translates into being more mature and statistics show married drivers get in fewer accidents.
- Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as judges, executives and accountants have higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, occupations such as pilots, athletes and performers get better rates.
- Add-on coverages can add up – There are quite a few extra coverages that you can buy when buying car insurance. Coverages like roadside assistance, towing coverage and membership fees may be costing you every month. They may seem like a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
How much can you save with discounts?
Companies offering auto insurance do not advertise all available discounts very clearly, so we took the time to find some of the best known as well as the least known ways to save on car insurance. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Discount for Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
- Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
- Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
- Claim Free – Good drivers with no accidents pay less as compared to frequent claim filers.
- Club Memberships – Affiliation with a qualifying organization may earn a discount on your policy.
- Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
- Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.
To see a list of companies offering car insurance discounts in Wisconsin, click here.
How much car insurance do I need?
When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your situation may require specific advice.
- Are my friends covered when driving my vehicle?
- Should I buy additional glass protection?
- How much underlying liability do I need for an umbrella policy?
- Should I drop comprehensive coverage on older vehicles?
- Does my vehicle need full coverage?
- Do I have coverage when pulling a U-Haul trailer?
If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.
Informative consumer insurance sites
More tips and info about car insurance can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin drivers can file complaints about a company, read state legal mandates and laws, and learn about specific coverages.
What is YOUR best insurance company?
The cheapest car insurance is definitely available online in addition to many South Milwaukee insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not provide online quoting and most of the time these regional insurance providers sell through independent agents.
We just covered a lot of techniques to compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the most savings is with a small local company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.