Two Rivers Auto Insurance For Less Than You're Paying Now

If shopping for auto insurance online is new to you, it's easy to get confused by the hoards of auto insurance companies all offering big savings in Two Rivers.

Policy discounts you shouldn't miss

Auto insurance companies don't always list all available discounts very well, so we took the time to find both well-publicized as well as the least known auto insurance savings.

Homeowners Savings - Owning a home in Two Rivers may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
Lower Rates for Military - Having a deployed family member can result in better rates.
Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Clubs and Organizations - Participating in a professional or civic organization could qualify you for a break when buying auto insurance.
Federal Employees - Active or retired federal employment could cut as much as 10% off depending on your company.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky.

Tips to Get Lower Two Rivers Rates

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

What are your deductibles? - Your deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims could be colliding with a building, vandalism, and burglary. The higher the amount you have to pay, the lower your rates will be.
High credit ratings translate to low rates - A driver's credit rating is a important factor in determining your rates. People with high credit scores tend to be more responsible than drivers with lower credit scores. If your credit history can use some improvement, you could potentially save money when insuring your by improving your rating.
Special features that cut premiums - Owning a car with an alarm system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent your car from being stolen.
More than one policy can earn a discount - The majority of companies will award you with lower prices to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to compare other company rates to verify if the discount is saving money.

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone's needs are different.

For example, these questions may help highlight whether your personal situation may require specific advice.

When do I need to add a new car to my policy?
Should I drop comprehensive coverage on older vehicles?
Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Am I covered when delivering products for my home-based business?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Save $429 a year? Really?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies say the same thing about savings if you move your coverage to them. But how can every company make almost identical claims?

Insurance companies have a certain "appetite" for the type of customer that earns them a profit. For example, a profitable customer could possibly be over the age of 50, a clean driving record, and has great credit. A customer getting a price quote who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully advertise the savings. This illustrates why drivers should quote coverage with many companies. It's impossible to know which company will fit your personal profile best.

Additional Wisconsin consumer information

Even more information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can report car insurance fraud, find out industry alerts, and view a list of available companies.

Also read more on this page for Wisconsin auto insurance and this page for help finding agents in Two Rivers, WI.

Shop smart and save

Cheaper auto insurance is possible online as well as from independent agents in Two Rivers, and you should be comparing both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

You just read many ways to reduce auto insurance prices online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the biggest savings come from a small local company.

Consumers who switch companies do it for a number of reasons such as lack of trust in their agent, poor customer service, unfair underwriting practices and even policy cancellation. No matter why you want to switch, choosing a new insurance company is less work than it seems.