Consumer Tested Strategies to Save on Fairchild Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you're not alone.

There are many to pick from, and although it's nice to be able to choose, it makes it harder to compare rates.

Buying the lowest cost auto insurance in Fairchild is simple if you know the tricks. In a nutshell, every driver who is required by state law to have auto insurance stands a good chance to be able to save money. But Wisconsin drivers do need to know how the larger insurance companies market insurance on the web and take advantage of how the system works.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

Don't sacrifice liability coverage - Your policy's liability coverage provides coverage if a court rules you are at fault for damages from an accident. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
Do you need the policy add-ons? - There are quite a few extra coverages that you can get tricked into buying on your auto insurance policy. Coverages for vanishing deductibles, accidental death and motor club memberships are examples of these. They may seem like a good idea initially, but if you don't need them eliminate them to save money.
Better credit means lower rates - A driver's credit score is a big factor in calculating your auto insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with poor credit. If your credit history is low, you could save money insuring your by spending a little time repairing your credit.
Marriage pays dividends - Being married helps lower the price when buying auto insurance. Having a spouse is viewed as being more mature than a single person and statistics show being married results in fewer claims.
Consolidate policies to earn discounts - Some companies will award you with lower prices to customers 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 comparison shop to make sure you are getting the best deal. Drivers may still find a better deal by buying insurance from more than one company.
Please use or commuting - The higher the mileage driven in a year the more you'll pay to insure your vehicle. Most companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle, because it can save money.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit.

Organization Discounts - Participating in a qualifying organization could qualify you for a break when buying auto insurance.
Safety Course Discount - Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
Paperless Signup - A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Auto/Home Discount - If you insure your home and vehicles with one company you may save at least 10% off all policies.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Drivers Education - Cut your cost by having your teen driver enroll in driver's education if offered at their school.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
No Charge for an Accident - Certain companies allow you one accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose insurers with discount auto insurance rates in Wisconsin, follow this link.

Is there truth in advertising?

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies say the same thing that you'll save big if you change to them. How does each company make almost identical claims? It's all in the numbers.

Insurance companies are able to cherry pick for the type of driver that makes them money. An example of a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. A driver who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards must pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That's the way companies can advertise the way they do.

This illustrates why you should get a wide range of price quotes. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Learn more about Wisconsin auto insurance

Much more information about auto insurance in Wisconsin is available on the website for the Wisconsin Office of the Commissioner of Insurance found here. Wisconsin consumers can find out which companies have the most complaints, discover disciplinary actions, find out industry alerts, and get help finding coverage.

Other informative sites include this link for Wisconsin auto insurance quotes and this link which helps you find a Fairchild agent.

Shop smart and save

Budget-conscious auto insurance is attainable online and with local Fairchild insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

When shopping online for auto insurance, make sure you don't buy poor coverage just to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

In this article, we presented many ways to save on auto insurance. It's most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the lowest priced auto insurance comes from a small mutual company. Some small companies may only write in your state and offer lower rates compared to the large companies like .