How to Find Cheap Stevens Point Auto Insurance

Shopping for the cheapest Stevens Point auto insurance over the internet may be difficult for consumers not familiar with shopping for insurance online. With so many insurers available, how can consumers even start to compare every company to locate the lowest price available?

It's important to compare rates yearly since insurance rates are constantly changing. Just because you found the best price a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because we're going to demonstrate the quickest way to eliminate unnecessary coverages and save money.

The purpose of this article is to teach you how to effectively get price quotes. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. But Wisconsin vehicle owners do need to know the way insurance companies sell online and apply this information to your search.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked about prior to getting the savings.

Accident Waiver - Certain companies allow you one accident without raising rates as long as you don't have any claims for a certain period of time.
Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
Senior Discount - Older drivers may receive better auto insurance rates.
Government Employees - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
Passive Restraints - Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
No Accidents - Drivers who don't have accidents can save substantially as compared to frequent claim filers.
Service Members Pay Less - Being on active duty in the military could be rewarded with lower premiums.
Good Student Discount - Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

For a list of companies with discount auto insurance rates in Wisconsin, click here to view.

Where Can I Get Cheap Stevens Point Auto Insurance?

There are several ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You can waste hours talking to insurance agencies in Stevens Point, or you could use online quotes to quickly compare rates.

Most car insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each company then gives them pricing for coverage. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you are unable to specify the companies you want pricing from. If you wish to select individual companies to compare rates, we have a page of companies who write auto insurance in Wisconsin. Click here to view list.

It's up to you which method you use, but make sure you use identical quote information on every quote you get. If you use mixed coverages then you won't be able to determine which rate is truly the best in Stevens Point. Quoting even small variations in insurance coverages may result in a large different in cost. And when comparing auto insurance rates, know that getting more free quotes helps locate a better price.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Every situation is different.

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

I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Can I afford to buy a different vehicle if my vehicle is totaled?
Should I put collision coverage on all my vehicles?
Do I have coverage for damage caused while driving under the influence?
Am I covered when driving on a suspended license?
Does my insurance cover a custom paint job?

If you're not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

The best insurance company isn't always the cheapest

Budget-conscious auto insurance can be sourced on the web and also from your neighborhood Stevens Point agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, it's very important that you do not sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. Your aim should be to buy enough coverage at the best price.

People leave their current company for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, lack of trust in their agent and denial of a claim. It doesn't matter what your reason, finding a new auto insurance company is not as hard as you think.