Tightwads Tips for Saving on Ellsworth Auto Insurance

Scraping up a payment for overpriced auto insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Doing a price comparison is a great way to cut your insurance bill. Drivers have so many to buy insurance from, and although it's nice to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices on a regular basis because prices are constantly changing. If you had the best price last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the fastest and easiest way to properly buy coverages while reducing your premium.

Pricing affordable auto insurance coverage in Ellsworth is quite easy. If you are insured now or need new coverage, you can follow these tips to find the best rates while maintaining coverages. Wisconsin vehicle owners just need to know the tricks to compare prices online.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you complete an application, but a few need to be asked for before they will apply. If you're not getting every credit you deserve, you're paying more than you need to.

Sign Online - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
Own a Home - Owning a house in Ellsworth can save you money because of the fact that having a home is proof that your finances are in order.
Claim Free - Drivers who don't have accidents can save substantially as compared to bad drivers.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
Drive Less and Save - Keeping the miles down can earn a substantially lower rate.
Accident Waiver - Certain companies allow you one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Lower Rates for Military - Being deployed with a military unit can result in better rates.
Sign Early and Save - Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.

Consumers should know that some credits don't apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way. But all discounts will bring down the amount you have to pay.

To see a list of companies with the best auto insurance discounts in Wisconsin, click here.

Ellsworth Auto Insurance Prices Online

Shopping for lower auto insurance rates can be a lot of work if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to local insurance agents in Ellsworth, or you could use the web to achieve your goal.

Many insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company then gives them pricing based on the submitted data. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one downside to using this type of system is you don't know exactly which carriers you want pricing from. So if you want to choose individual companies to receive pricing from, we have a page of companies who write auto insurance in Wisconsin. View list of Wisconsin insurance companies.

Whichever method you choose, ensure you are comparing identical coverages on every quote. If each company quotes different limits and deductibles on each one you can't possibly make a fair comparison in Ellsworth.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with better auto insurance rates.

Having a spouse can save you money - Having a spouse actually saves money on auto insurance. It translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be collision with another vehicle, collision with an animal, or theft. The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The higher the amount you have to pay, the bigger discount you will receive.
Rates may be higher depending on your occupation - Jobs such as lawyers, social workers and financial analysts have higher average rates due to stressful work requirements and long work hours. Conversely, occupations like pilots, engineers and the unemployed get better rates.
Men fork out a little more - Statistics have proven that women are safer drivers than men. However, don't assume that women are BETTER drivers than men. Men and women have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.
Multiple policies with one company can save - The majority of insurance companies will give a discount to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare rates to verify if the discount is saving money.
Cautious drivers pay less - Drivers who don't get tickets get better rates than people who have multiple driving citations. Even a single ticket can bump up the cost by as much as thirty percent. Drivers who have severe citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Wisconsin can't get away from ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to have a common claim that you'll save big if you move your coverage to them.

How does each company claim to save you money? It's all in the numbers.

Different companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured might be over the age of 50, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher rates and this can result in the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that much money. This is how companies can claim big savings.

Because of the profiling, drivers must get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

A tidy conclusion

Discount auto insurance is definitely available both online as well as from independent agents in Ellsworth, and you should be comparing both to get a complete price analysis. A few companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. In many cases, drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price.

Much more information about auto insurance in Wisconsin can be found on the website for the Wisconsin Office of the Commissioner of Insurance found here. Visitors are able to get help finding coverage, report car insurance fraud, read industry bulletins, and learn about insurance regulations.