Tightwads Guide to Saving on Reedsburg Car Insurance

I can't think of a single person who likes having to buy car insurance, particularly when their premiums are too high.

Having so many companies to choose from, it's nearly impossible to choose the right car insurance company.

Reedsburg Car Insurance Quote Comparison

There are several ways of comparing rates from different Reedsburg insurance companies. The recommended way to find the cheapest insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate quote forms for every car insurance company. A single form will return quotes from many national carriers.

A slightly less efficient method to compare rate quotes is to take the time to go to the website of each company to complete their respective quote request forms. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method.

To view a list of companies in Reedsburg, click here.

It's up to you which method you use, but make absolute certain that you use apples-to-apples coverages and limits on every quote you get. If you use different deductibles it will be next to impossible to determine which rate is truly the best in Reedsburg. Quoting even small variations in coverages may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes provides better odds of finding a lower rate.

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

Listed below are a partial list of the pieces car insurance companies consider when setting prices.

Frequent car insurance claims increase rates - If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Companies in Wisconsin award discounts to insureds who are claim-free. Auto insurance is intended for larger claims.
Poor credit can mean higher rates - Having a bad credit score is a large factor in determining your rates. So if your credit score is lower than you'd like, you could be paying less to insure your by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
Bad driving skills means higher rates - Careful drivers receive lower rates than bad drivers. Even one moving violation can boost insurance rates twenty percent or more. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to continue driving.
More than one policy can earn a discount - Most insurers provide better rates to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to shop around to ensure the best deal.

Take advantage of discounts

Companies that sell car insurance do not advertise every discount very well, so we researched both the well known and the more hidden savings tricks you should be using.

Federal Employees - Simply working for the federal government can save as much as 8% with a few car insurance companies.
Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
Distant Student - Kids in college who are attending college and do not have a car may qualify for this discount.
Club Memberships - Being a member of a professional or civic organization is a good way to get lower rates when shopping for car insurance.
Defensive Driver - Completing a defensive driving course can save you 5% or more depending on where you live.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

For a list of insurance companies offering car insurance discounts in Wisconsin, click here to view.

How to know if you need help

When it comes to choosing the best car insurance coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions might point out whether your personal situation would benefit from an agent's advice.

Am I covered if I drive in a foreign country?
Does my insurance cover a custom paint job?
Does my car insurance cover rental cars?
Do I need PIP (personal injury protection) coverage in Wisconsin?
Why does it cost so much to insure a teen driver in Reedsburg?
Does my liability insurance cover pulling a trailer or camper?
Are rental cars covered under my policy?

If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed 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

Even more information is located at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to download brochures, find out industry alerts, file complaints about a company, and read consumer alerts.

Other useful links include this online resource for car insurance quotes in Wisconsin and this list of insurance agents in Reedsburg.

The best insurance company isn't always the cheapest

When you buy insurance online, do not reduce needed coverages to save money. There are too many instances where an insured cut liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

We just presented some good ideas how you can lower your car insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a company that doesn't do a lot of advertising. Smaller companies may cover specific market segments cheaper than their larger competitors like .