Car Insurance in Baraboo Wisconsin - 9 Discounts You Might be Unaware of

Having to pay for overpriced car insurance can take a big chunk out of your checking account and make it hard to pay other bills. Comparing price quotes is a great way to cut your insurance bill.

You have so many to buy insurance from, and although it's nice to be able to choose, lots of choices makes it harder to compare rates.

Finding affordable coverage in Baraboo is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. Nevertheless, Wisconsin car owners do need to know how companies price online insurance.

Compare Car Insurance Today

The are a couple different ways to compare rate quotes from local Baraboo car insurance companies. One of the best ways to find the lowest rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

The fastest way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This type of form keeps you from doing a different quote for each company you want a rate for. A single, simple form compares rates .
A different way to shop for car insurance online is going to the website for every company you want to comare and fill out their own quote form. For examples sake, we'll pretend you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your information, which is why the first method is quicker.

For a list of links to companies insuring cars in Baraboo, click here.

However you get your quotes, make sure you use identical coverage limits and deductibles for each comparison quote. If you use different liability limits you can't possibly determine the lowest rate in Baraboo. Slightly different coverage limits may result in large price differences. And when comparing car insurance rates, know that comparing more company's prices helps locate the best rates.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always list all available discounts very clearly, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving.

Defensive Driver - Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
Auto/Home Discount - If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Student in College - Youth drivers living away from home attending college and do not have a car can receive lower rates.
Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Drivers Education - Cut your cost by having your teen driver enroll in driver's education in school.
Fewer Miles Equal More Savings - Driving fewer miles could qualify for a substantially lower rate.
Payment Discounts - By paying your policy upfront instead of making monthly payments you could save 5% or more.
Multi-car Discount - Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.

It's important to understand that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it doesn't quite work that way.

To choose insurers offering car insurance discounts in Wisconsin, click here.

Save $429 a year? Really?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies have a common claim of big savings if you switch your policy. How does each company make the same claim? It's all in the numbers.

Insurance companies have a preferred profile for the right customer that makes them money. A good example of a profitable customer could be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards must pay higher prices and this can result in business going elsewhere. The ads state "customers who switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can confidently advertise the way they do. This illustrates why you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Insurance agents can help

When buying coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's and your policy should reflect that. For example, these questions can help discover whether your personal situation would benefit from an agent's advice.

Should I rate my vehicle as pleasure use or commute?
What is the difference between comprehensive and collision coverage?
Do I need PIP (personal injury protection) coverage in Wisconsin?
What are Wisconsin no-fault laws?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is rental equipment covered for theft or damage?
Is my dog or cat covered if injured in an accident?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

More tips and info about car insurance can be read at the Wisconsin Office of the Commissioner of Insurance website. Consumers can discover disciplinary actions, view agent and company licensing information, read consumer alerts, and read enforcement actions against agents and companies.

Do the work, save more money

Low-cost car insurance can be found from both online companies in addition to many Baraboo insurance agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.