Tightwads Tips for Saving on Eden Auto Insurance

Nobody likes having to buy auto insurance, particularly when they are paying too much.

Drivers have so many to pick from, and although it's nice to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices periodically because prices are constantly changing. Despite the fact that you may have had the best deal six months ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Buying affordable protection in Eden is simple if you know the tricks. Basically, everyone who is required by state law to have auto insurance stands a good chance to be able to save money. But Wisconsin consumers do need to know how insurance companies compete online and take advantage of how the system works.

Save big with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. Some discounts apply automatically when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

Save with a New Car - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
Good Student - Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
College Student - Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Sign Online - A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break on auto insurance.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Drive Less and Save - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
Passive Restraints - Factory air bags or motorized seat belts may earn rate discounts of more than 20%.

Drivers should understand that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Every situation is different and a cookie cutter policy won't apply. These are some specific questions may help highlight if your situation may require specific advice.

Should I file a claim if it's only slightly more than my deductible?
Do I need to file an SR-22 for a DUI in Wisconsin?
Do I pay less if my vehicle is kept in my garage?
What are the financial responsibility laws in Wisconsin?
Does my liability insurance cover pulling a trailer or camper?
Am I getting all the discounts available?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to say the same thing that you'll save big after switching your coverage to them. How does each company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the type of customer that earns them a profit. An example of a desirable insured might be over the age of 50, a clean driving record, and has a high credit rating. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards will have to pay a higher premium which usually ends up with the customer not buying. The ad wording is "customers who switch" not "people who quote" save that much money. That is how companies can state the savings.

Because of the profiling, you should get a wide range of price quotes. It's impossible to know which company will have the lowest rates.

Additional Wisconsin consumer information

Much more information about auto insurance in Wisconsin is available on the website for the Wisconsin Office of the Commissioner of Insurance found here. Visitors are able to read enforcement actions against agents and companies, file complaints about a company, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Also read more on Auto Insurance 101 and this page where you can research Eden insurance agents.

Affordable insurance is out there

As you restructure your insurance plan, make sure you don't buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the best price.

We covered a lot of tips how to reduce auto insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates than their larger competitors like .

Budget-conscious auto insurance can be bought both online as well as from independent agents in Eden, and you should be comparing both to have the best rate selection. Some insurance companies don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.