Tightwads Guide for Saving on Seymour Auto Insurance

Nobody looks forward to paying for auto insurance, in particular when they are paying too much.

Companies like GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to sift through the bull and find the best price available.

It's important to check auto insurance prices periodically because insurance rates are constantly changing. Just because you found the best rates a year ago there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about auto insurance online, so I'm going to show you some great ways to reduce your auto insurance bill.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with better auto insurance rates.

Where you live - Living in a small town can be a good thing when insuring your vehicles. Fewer people means fewer accidents and a lower car theft rate. Urban drivers regularly have much more traffic to deal with and longer commutes to work. Higher commute times can result in more accidents.
Traffic violations increase rates - Just one ticket can increase rates by as much as thirty percent. Good drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state DMV in order to keep their license.
What are your deductibles? - Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims could be collision with another vehicle, collision with an animal, and rolling your vehicle. Your deductibles are how much you are required to spend before your auto insurance pays a claim. The more expense you're willing to pay, the lower your rates will be.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, architects and dentists tend to pay the highest average rates due to high stress and long work hours. Other occupations such as scientists, historians and performers have the lowest average rates.

Seymour Auto Insurance Comparisons

All major auto insurance companies allow you to get prices for coverage directly from their websites. Getting online rates is fairly straightforward as you just type in your personal and coverage information as detailed in the form. After the form is submitted, the company's rating system will obtain reports for credit and driving violations and returns a price quote based on these factors. Online quotes makes comparing rates easy, but the process of having to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it's very important to perform this step in order to find better auto insurance pricing.

There is a better way!

The preferred way to compare rates uses one simple form that obtains quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable. After your information is entered, it is rated and you can select your choice of the resulting price quotes.

If you find a better price you can click and sign and purchase coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To save time and find out what other companies charge, click here to open in new window and submit the form. If you have your current policy handy, we recommend that you enter deductibles and limits as shown on your current policy. This makes sure you are getting a rate comparison for the exact same coverage.

These discounts can lower your rates

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Some discounts apply automatically when you get a quote, but some may not be applied and must be specifically requested before you will receive the discount.

Bundle and Save - If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
Good Student - This discount can save 20 to 25%. The good student discount can last well after school through age 25.
Homeowners Savings - Owning a house in Seymour may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
Accident Free - Good drivers with no accidents pay less as compared to accident-prone drivers.
Driver Safety - Taking a course in driver safety can save you 5% or more if your company offers it.

Keep in mind that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, it just doesn't work that way. But any discount will reduce the cost of coverage.

To choose companies who offer auto insurance discounts in Seymour, follow this link.

Are you falling for claims of savings?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to say the same thing that you can save after switching to them. How can each company make almost identical claims? It's all in the numbers.

Different companies have a certain "appetite" for the type of driver that makes them money. A good example of a desirable insured could possibly be over the age of 50, a clean driving record, and has excellent credit. A driver who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state "customers who switch" not "everybody who quotes" save money. That is how insurance companies can make those claims.

Because of the profiling, you need to get a wide range of price quotes. It is impossible to predict which company will have the lowest rates.

Different people need different coverages

When buying coverage for your vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won't apply. For instance, these questions may help highlight whether you may require specific advice.

What are the best liability limits?
Do I need to file an SR-22 for a DUI in Wisconsin?
Does my policy cover my teen driver if they drive my company car?
Are there companies who specialize in insuring high-risk drivers?
Should I have combined single limit or split liability limits?
Why am I required to buy high-risk coverage?

If you don't know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

More information can be read on the website for the Wisconsin Office of the Commissioner of Insurance found here. Wisconsin consumers can view agent and company licensing information, file complaints about a company, report car insurance fraud, and read industry bulletins.

The best insurance company isn't always the cheapest

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. In many instances, someone dropped collision coverage and discovered at claim time they didn't purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price.

In this article, we presented a lot of information how to compare auto insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as .

Affordable auto insurance can be sourced online and with local Seymour insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.