Tightwads Tips for Saving on Fremont Car Insurance

I can't think of anyone who cherishes buying car insurance, particularly when they are paying too much.

Drivers have so many to buy insurance from, and although it's a good thing to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices occasionally due to the fact that insurance rates are constantly changing. Just because you found the best rates last year the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to save money.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be asked for before you will receive the discount.

Accident Forgiveness - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Sign Online - Certain companies may give you up to $50 just for signing your application over the internet.
Senior Citizens - Mature drivers may be able to get a small decrease in premiums.
Drivers Education - Have your child complete a driver education course if it's offered in school.

It's important to note that some credits don't apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, you're out of luck. But any discount will bring down the cost of coverage.

To see a list of companies who offer car insurance discounts in Wisconsin, click here.

Automobile Insurance Quotes in Fremont, WI

Most companies like State Farm, GEICO and Progressive allow you to get price estimates online. Obtaining pricing is quite simple as you just type in your coverage preferences as detailed in the form. Once you submit the form, the system will obtain information on your driving record and credit history and returns a price quote based on many factors. Quoting online streamlines rate comparisons, but the time required to go to several different sites and complete many quote forms can be a bit repetitive. But it's very important to get many rate quotes in order to find better car insurance pricing.

The preferred way to get multiple rate quotes makes use of a single form that gets price quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable. After sending your information, it is rated and you can select any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

In order to find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you enter the coverages exactly as shown on your declarations page. This makes sure you will have rate comparison quotes based on the exact same insurance coverage.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the factors that help determine the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that may reward you with lower car insurance prices.

The following are some of the items used by your company to calculate rates.

Women pay lower rates - Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men are in accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive car insurance rates.
Bundling policies can get discounts - Many insurance companies will give a discount to insureds who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it's in your best interest to compare rates to verify if the discount is saving money.
Having a spouse can save you money - Getting married can get you a discount on car insurance. It translates into being more mature it has been statistically shown that married couples file fewer claims.
Mature drivers pay less - Youthful drivers in Wisconsin are known to be more careless behind the wheel so they pay higher car insurance rates. Adding a teenage driver onto a policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.

Different people need different coverages

When choosing coverage for your vehicles, there isn't really a perfect coverage plan. Every insured's situation is different and your policy should reflect that. For instance, these questions might point out whether you would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Does my liability insurance cover pulling a trailer or camper?
Does medical payments coverage apply to all occupants?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I getting all the discounts available?
Is rental equipment covered for theft or damage?

If you can't answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on television and other media. They all seem to have a common claim that you can save after switching your coverage to them. How does each company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the type of customer that is profitable for them. A good example of a desirable insured might be a mature driver, owns a home, and has great credit. Any driver that hits that "sweet spot" is entitled to the best price and as a result will probably save when switching.

Potential insureds who are not a match for these standards will have to pay more money and this can result in the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save that much money. That is how insurance companies can advertise the savings.

Because of the profiling, drivers must quote coverage with many companies. You cannot predict which company will give you the biggest savings.

Affordable insurance is out there

Lower-priced car insurance can be sourced both online as well as from independent agents in Fremont, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don't offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, never reduce coverage to reduce premium. In many cases, an insured cut collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price.

More information can be read on the website for the Wisconsin Office of the Commissioner of Insurance. Click here for link. Visitors are able to learn about insurance regulations, read consumer alerts, get help finding coverage, and read enforcement actions against agents and companies.