Best 7 Ways You Can Buy Car Insurance for Less in Watertown Wisconsin

Are you tired of paying out the nose each month for car insurance? You're in the same situation as most other car owners in Wisconsin. With so many different company options, it can be diffult for consumers to pick the cheapest insurer.

It's important to take a look at other company's rates before your policy renews since rates are constantly changing. Just because you found the lowest rates two years ago you can probably find a lower rate today. Starting now, forget all the misinformation about car insurance because we're going to show you the tricks you need to know to reduce your cost while increasing coverage.

Wisconsin car insurance

Cheap Watertown Car Insurance Comparisons

Cutting your Watertown car insurance rates can be quick and easy. Consumers just need to spend a few minutes to compare rate quotes from different insurance companies. This can be accomplished in several different ways.

  • The recommended way to get quotes for comparison is a comparison rater form click to view form in new window. This form saves time by eliminating multiple quote forms for each company you want a rate for. In just a few minutes this one form gets you price quotes from multiple low-cost companies.
  • A more time consuming way to shop for car insurance online requires visiting each company website to complete a price quote. For example, we'll assume you want rates from , and . To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in Watertown, click here.
  • The hardest way to get comparison rates is driving around to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you require the professional advice that only a license agent can provide. Drivers can get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just ensure you're using apples-to-apples quote information for every company. If you compare mixed coverages it will be impossible to decipher which rate is best in Watertown.

Policy discounts you shouldn't miss

Companies don't always publicize every available discount very well, so we break down both the well known as well as the least known ways to save on car insurance. If you don't get every credit available, you're paying more than you need to.

  • Passive Restraint Discount - Vehicles with factory air bags can receive discounts up to 30%.
  • No Accidents - Claim-free drivers can save substantially compared to bad drivers.
  • One Accident Forgiven - Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Auto/Life Discount - Some companies give a break if you buy life insurance.
  • Resident Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Low Mileage - Fewer annual miles can earn better rates on cars that stay parked.

Keep in mind that most discount credits are not given to the entire cost. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn't work that way.

To see a list of providers who offer car insurance discounts in Wisconsin, click this link.

Learn more today

Additional detailed information can be found at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to find out industry alerts, read industry bulletins, learn about insurance regulations, and view agent and company licensing information.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Watertown insurance agents.