7 Top Tricks to Cut Car Insurance Costs in Edgerton, WI

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, there are lots of people in the same boat.

Online insurance companies like GEICO and Progressive persitently shower you with TV and radio ads and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to price shop coverage at least once a year since rates are constantly changing. Just because you found the best deal a year ago you can probably find a better price now. Starting right now, block out anything you think you know about car insurance because we're going to show you the proper way to lower your annual insurance bill.

Are you getting all your discounts?

Companies that sell car insurance don't list every available discount in a way that's easy to find, so here is a list some of the more common as well as the least known discounts you could be receiving.

Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
Low Mileage - Low mileage vehicles can qualify you for a substantially lower rate.
Organization Discounts - Belonging to a civic or occupational organization may earn a discount on your policy.
Federal Government Employee - Employees or retirees of the government may qualify you for a discount with certain companies.
Theft Prevention System - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you could save 5% or more.
No Charge for an Accident - A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

To choose providers with discount car insurance rates in Edgerton, click here.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate consistently run ads on television and other media. All the ads have a common claim about savings if you change your policy. How can each company make the same claim?

All the different companies are able to cherry pick for the right customer that makes them money. An example of a preferred risk could be between the ages of 30 and 50, has no tickets, and has excellent credit. Any new insured that hits that "sweet spot" will get very good rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will be charged more money and this can result in business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save that kind of money. That's the way companies can truthfully make those claims. That is why you should get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

Find out more about car insurance

Even more information is available at the Wisconsin Office of the Commissioner of Insurance website. Consumers can file complaints about a company, find disaster information, find out which companies have the most complaints, and download brochures.

The best insurance company isn't always the cheapest

You just learned a lot of techniques to save on car insurance. It's most important to understand that the more you quote, the better your comparison will be. You may be surprised to find that the lowest rates come from a small local company. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as .

Cheap car insurance can be sourced from both online companies in addition to many Edgerton insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.