Top 9 Ways to Pay Less on Car Insurance in Pulaski

Nobody I know cherishes buying car insurance, especially when they are paying too much.

You have so many to buy insurance from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

Buying the lowest cost car insurance in Pulaski is simple if you know the tricks. In a nutshell, everyone who carries car insurance stands a good chance to be able to reduce their rates. Although Wisconsin car owners do need to know how the larger insurance companies market insurance on the web and take advantage of how the system works.

compare Pulaski car insurance rates

Car Insurance Comparison Rates in Pulaski, WI

Performing a rate comparison is a ton of work if you aren't aware of the most efficient way to do it. You can spend countless hours driving to insurance agencies in Pulaski, or you could save time and use the internet to achieve your goal.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company provides a quote for coverage. This eliminates the need for repetitive form submissions to each individual car insurance company.

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

The only drawback to getting quotes like this is buyers cannot specifically choose the providers to get quotes from. So if you prefer to choose from a list of companies to request quotes from, we put together a list of car insurance companies in Wisconsin. Click here to view list.

Whichever way you use, be sure to compare identical coverage limits for every quote you compare. If you use differing limits it's not possible to determine the best price in Pulaski. Just a small difference in coverages may result in large price differences. Keep in mind that comparing more company's prices helps locate better pricing.

Be sure to get all your discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit.

  • Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Low Mileage Discounts - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Accident Forgiveness - Certain companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Homeowners Savings - Simply owning a home may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
  • Distant Student - Children who live away from home and don't have a car can receive lower rates.
  • Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of insurance companies with discount car insurance rates in Wisconsin, follow this link.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help highlight whether or not you will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Does my policy cover my teen driver if they drive my company car?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Additional Wisconsin consumer information

Additional information is available on the website for the Wisconsin Office of the Commissioner of Insurance located here. Consumers can find disaster information, file complaints about a company, discover disciplinary actions, and learn about insurance regulations.