Find Cheap Berlin Auto Insurance

If shopping for auto insurance online is new to you, it's easy to get overwhelmed because of the huge number of auto insurance companies competing for business in Berlin.

It's important to compare prices periodically because insurance rates are constantly changing. Despite the fact that you may have had the best price last year the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because we're going to demonstrate one of the best ways to find the best coverage while lowering your premiums.

How much can you save with discounts?

The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but a few need to be asked for before you get the savings.

Bundle and Save - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Save over 55 - Mature drivers may be able to get a small decrease in premiums.
Drive Less and Save - Fewer annual miles can earn better rates on cars that stay parked.
Memberships - Participating in a qualifying organization could trigger savings on auto insurance.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

To see a list of companies who offer auto insurance discounts in Wisconsin, click this link.

Berlin Auto Insurance Comparisons

Effectively comparing auto insurance prices can be challenging if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in Berlin, or you can stay home and use the web to quickly compare rates.

Many insurance companies belong to a marketplace that allows shoppers to submit their information once, and each participating company then returns a price quote. This system prevents you from having to do quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one downside to comparing rates this way is you are unable to specify which carriers you want to price. So if you prefer to choose specific providers to compare, we put together a list of the cheapest auto insurance companies in Wisconsin. Click to view list.

It doesn't matter which method you choose, just be sure to compare identical coverage information on every quote you get. If you are comparing unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best in Berlin. Having just a slight variation in coverages can result in a big premium difference. Keep in mind that comparing a large number of companies helps locate the best offered rates.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Big city or small town - Living in a rural area can be a good thing when insuring your vehicles. Drivers in populated areas have much more traffic and longer commute times. Lower population means a lower chance of having an accident.
Traffic violations increase rates - Just one moving violation can bump up the cost forty percent or more. Drivers who don't get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Mature drivers pay less - Teen drivers in Wisconsin are known to be more careless behind the wheel so they pay higher auto insurance rates. If you've ever had to add a youthful driver onto a policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Men pay higher rates - Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men have accidents in similar percentages, but the males have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.

How much car insurance do I need?

When choosing the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

What are the best liability limits?
Do I need to file an SR-22 for a DUI in Wisconsin?
Why does it cost so much to insure a teen driver in Berlin?
Should I buy additional glass protection?
Is my nanny covered when driving my vehicle?
Are rental cars covered under my policy?

If it's difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to make the same claim about savings after switching your coverage to them. How does each company make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the type of customer that is profitable for them. For example, a desirable insured could possibly be a mature driver, a clean driving record, and drives newer vehicles. A driver who matches those parameters gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards will have to pay a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully claim big savings.

Because of the profiling, drivers must get quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

Do the work, save more money

When trying to cut insurance costs, it's very important that you do not reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy the best coverage you can find for the lowest price.

In this article, we presented many ideas to compare auto insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a smaller regional carrier.

Cheap auto insurance can be bought online as well as from independent agents in Berlin, and you need to price shop both to have the best selection. A few companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional Wisconsin consumer information

Additional information can be found on the Wisconsin Office of the Commissioner of Insurance website. Click here for link. Wisconsin consumers can view agent and company licensing information, file complaints about a company, and read enforcement actions against agents and companies.