How to Know You're Paying Too Much for Car Insurance in Pigeon Falls

I can't think of anyone who likes having to buy car insurance, especially when their premiums are through the roof. There are many to pick from, and even though it's nice to have multiple companies, it makes it harder to compare rates.

It's important to check car insurance prices occasionally because rates are constantly changing. Despite the fact that you may have had the lowest rates a few years ago you will most likely find a better rate today. So just forget anything you know (or think you know) about car insurance because you're going to learn the tricks you need to know to save money, get proper coverage and the best rates.

Choosing the best insurance company for you in Pigeon Falls is easy if you know what you're doing. If you have a current car insurance policy or need a new policy, you can learn to get lower rates and still get good coverage. Wisconsin vehicle owners just need to know the proper methods to shop their coverage around over the internet.

More discounts equal less premium

Companies don't list all their discounts very clearly, so we break down some of the more common and the harder-to-find savings tricks you should be using. If you're not getting every credit you qualify for, you are throwing money away.

Bundle and Save - If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
Early Switch Discount - Select companies give a discount for switching to them prior to your current policy expiring. It's a savings of about 10%.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Accident Free - Good drivers with no accidents can save substantially as compared to drivers who are more careless.
Federal Employees - Active or retired federal employment may qualify you for a discount with select insurance companies.
Driver Safety - Taking part in a driver safety course can save you 5% or more if you qualify.

Consumers should know that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies don't profit that way.

It's not one size fits all

When it comes to buying adequate coverage for your vehicles, there isn't really a best way to insure your cars. Every insured's situation is different so your insurance should reflect that Here are some questions about coverages that might point out if you might need professional guidance.

What is the difference between comprehensive and collision coverage?
Do I need PIP (personal injury protection) coverage in Wisconsin?
Do I pay less if my vehicle is kept in my garage?
What are the best liability limits?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?

If you're not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from 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, doesn't cost anything and may give you better protection.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all seem to make an identical promise that you'll save big after switching to them.

How does each company make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that earns them a profit. For example, a desirable insured could be between 30 and 50, owns a home, and drives less than 7,500 miles a year. A customer who meets those qualifications will get the preferred rates and therefore will save when switching.

Consumers who do not match these standards will have to pay higher prices and ends up with business going elsewhere. The ads state "drivers who switch" not "everyone that quotes" save money. That is how companies can advertise the way they do. Because of the profiling, you should compare many company's rates. Because you never know which company will provide you with the cheapest rates.

For more Wisconsin car insurance information

More detailed Wisconsin car insurance information can be found at the Wisconsin Office of the Commissioner of Insurance website. Consumers can view agent and company licensing information, read consumer alerts, read enforcement actions against agents and companies, and learn about specific coverages.

Also read more on Wikipedia and this Pigeon Falls agent directory.

Best coverage at the best price

When shopping online for car insurance, make sure you don't buy lower coverage limits just to save a few bucks. In many instances, an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price.

We just showed you some good ideas how you can reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .