Easy Techniques to Cut Costs on Centuria Auto Insurance

Finding lower rates for Centuria auto insurance is hard for consumers new to comparing rates online. Consumers have so many options that it can quickly become more work than you anticipated to find lower rates in Centuria.

Finding affordable coverage in Centuria is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Wisconsin drivers only need an understanding of the most efficient way to compare company rates over the internet.

Be sure to get all your discounts

Companies that sell car insurance do not list every discount very well, so here is a list both the well known and the harder-to-find auto insurance savings. If you don't get every credit available, you are throwing money away.

  • Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with a few auto insurance companies.
  • Multiple Policy Discount - If you have multiple policies with one company you will save approximately 10% to 15%.
  • Good Students Pay Less - Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • One Accident Forgiven - Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Save with a New Car - Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Driver Safety - Taking part in a defensive driving course could save 5% or more if you qualify.
  • Military Rewards - Having a deployed family member may qualify for rate reductions.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies don't profit that way.

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Is there truth in advertising?

Consumers in Wisconsin get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, Allstate and GEICO. They all say the same thing of big savings after switching to them.

But how can every company claim to save you money? This is how they do it.

All the different companies can use profiling for the type of driver that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will be quoted higher rates which usually ends up with the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save money. That's why insurance companies can confidently state the savings. This emphasizes why you should get quotes from several different companies. It's impossible to know the company that will give you the biggest savings.

Learn more today

More tips and info about auto insurance is available at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to download brochures, view agent and company licensing information, and learn about insurance regulations.

Also read more on this site for auto insurance rates in Wisconsin and this list of insurance agents in Centuria, WI.

A tidy conclusion

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, policy non-renewal and even poor customer service. Regardless of your reason, switching auto insurance companies is less work than it seems.

When buying insurance coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cost effective auto insurance can be purchased both online and with local Centuria insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.