Easy Methods to Pay Less on Belleville Auto Insurance

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies selling insurance in Belleville.

It's important to price shop coverage periodically because prices are constantly changing. Even if you think you had the best deal six months ago you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to lower your annual insurance bill.

Wisconsin auto insurance

How to Get Belleville Auto Insurance Comparison Quotes

Most companies allow you to get coverage price quotes online. This process doesn't take a lot of time as you simply enter your personal and coverage information as detailed in the form. When the form is submitted, the company's rating system will obtain credit information and your driving record and quotes a price based on many factors.

Online quotes makes it a lot easier to compare rates but having to visit different websites and fill out multiple forms can get tiresome after awhile. But it's very important to compare as many rates as possible in order to find better auto insurance pricing.

There is a better way!

A quicker way to compare rates uses one form that analyzes rates from several different companies. The form is fast, eliminates form submissions, and makes price shopping online a lot less work. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the quotes returned.

If a lower price is quoted, it's easy to complete the application and purchase coverage. The entire process only takes a few minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and submit the form. If you have a policy now, it's recommended you enter your coverages as shown on your current policy. This ensures you will get an apples-to-apples comparison for similar insurance coverage.

These discounts can lower your rates

Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but some must be requested specifically prior to getting the savings. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Discount for Swiching Early - Some insurance companies reward drivers for switching policies before your current expiration date. The savings is around 10%.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
  • No Claims - Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Memberships - Participating in a civic or occupational organization may earn a discount on your policy.

Keep in mind that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears it's possible to get free car insurance, it just doesn't work that way. But any discount will reduce the cost of coverage.

To see a list of providers with discount auto insurance rates in Belleville, click here.

Different people need different coverages

When choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone's situation is a little different.

For instance, these questions may help highlight whether you will benefit from professional help.

  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don't have a local agent, complete this form. It only takes a few minutes and can help protect your family.

More information is available on the Wisconsin Office of the Commissioner of Insurance website located here. Wisconsin consumers can learn about specific coverages, file complaints about a company, and find disaster information.