Free Guide to Spending Less for Cornell Auto Insurance Online

Sick and tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in Wisconsin.

You have so many to buy insurance from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

More discounts equal less premium

Companies offering auto insurance don't necessarily list all available discounts very clearly, so we break down both well-publicized as well as the least known auto insurance savings.

Memberships - Participating in a qualifying organization could qualify you for a break when buying auto insurance.
Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
Student in College - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
Paperless Signup - A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
Fewer Miles Equal More Savings - Fewer annual miles can earn lower rates on the low mileage vehicles.
Drivers Education - Have your child enroll in driver's education if it's offered in school.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, auto insurance companies aren't that generous.

To see a list of insurers who offer auto insurance discounts in Wisconsin, follow this link.

How to Compare Auto Insurance Costs in Cornell

Most companies like Allstate, GEICO and Progressive provide coverage price quotes on their websites. Getting online rates doesn't take a lot of time as you just enter the amount of coverage you want into the quote form. Once you submit the form, the company's rating system will obtain your driving and credit reports and gives you a price quote based on these factors. Quoting online makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.

Quote rates the easy way

The preferred way to find cheaper rates uses one simple form to get prices from several different companies. It's a real time-saver, eliminates repetitive work, and makes online quotes much easier to do. As soon as you send your information, it gets priced and you can select any one of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase the new policy. The whole process takes less than 15 minutes and you'll know if lower rates are available.

To save time and find out how much you're overpaying now, click here and complete the simple form. To compare your current rates, we recommend you type in coverages and limits identical to your current policy. This makes sure you will have an apples-to-apples comparison based on the exact same insurance coverage.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

Liability coverage protects you - Liability coverage will protect you if a court rules you are at fault for damages caused by your negligence. Liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
Equipment add-ons that lower auto insurance rates - Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Mature drivers pay less - Teen drivers in Wisconsin are known to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
Marriage pays dividends - Having a spouse can get you a discount when buying auto insurance. Having a spouse usually means you are more responsible and it's proven that drivers who are married are more cautious.
Drive a safer car and pay less - Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Claim-free discounts can add up - Auto insurance companies in Wisconsin provide lower rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
Never let your coverage lapse - Allowing your auto insurance policy to lapse will be a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.You may then be required to submit proof of financial responsibility or a SR-22 with the Wisconsin DMV.

Switch companies and save? Really?

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies say the same thing about savings after switching your policy. How does each company make almost identical claims?

Insurance companies can use profiling for the right customer that is profitable for them. For example, a profitable customer could possibly be a mature driver, has no tickets, and drives less than 7,500 miles a year. A driver who fits that profile will get the preferred rates and therefore will save when switching.

Potential customers who do not match these standards must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully advertise the way they do. This illustrates why drivers must get a wide range of price quotes. It is impossible to predict the company that will provide you with the cheapest rates.

Shop smart and save

Cheap auto insurance can be bought online in addition to many Cornell insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for auto insurance, never reduce coverage to reduce premium. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

More Wisconsin auto insurance information

Even more information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can find out which companies have the most complaints, view a list of available companies, read enforcement actions against agents and companies, and get help finding coverage.