Top 10 Ways to Save Money on Car Insurance in Germantown

Expensive car insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparison shopping is a great way to cut your insurance bill.

Numerous battle to insure your vehicles, and because of this it can be hard to compare and uncover the absolute lowest rate

It's important to take a look at other company's rates quite often since rates are constantly changing. Even if you think you had the best price a few years ago there may be better deals available now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

Germantown car insurance comparison

Policy discounts you shouldn't miss

Auto insurance companies don't list all their discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving.

  • College Student - Youth drivers who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • 55 and Retired - Older drivers may receive better car insurance rates.
  • Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
  • Safety Course Discount - Successfully completing a driver safety course could cut 5% off your bill depending on where you live.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Seat Belt Usage - Requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Bundle and Save - When you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance.
  • Government Employees - Simply working for the federal government could cut as much as 10% off with select insurance companies.
  • Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

As a disclaimer on discounts, some credits don't apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren't that generous.

For a list of companies with discount car insurance rates in Germantown, click here.

Free Germantown Car Insurance Quotes

The are a couple different ways to compare rate quotes from local Germantown car insurance companies. The recommended way to find competitive insurance rates consists of shopping online. This can be accomplished in a couple of different ways.

One of the best ways to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form keeps you from doing repetitive form entry for each company you want a rate for. One form will get you price quotes direct from many companies.

A different way to shop for car insurance online requires a visit to each company's website and fill out their own quote form. For sake of this example, let's assume you want comparison quotes from , and . To get each rate you have to spend time on each company's site to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in Germantown, click here.

The most time-consuming way of getting rate comparisons is driving to different Germantown agent offices. Buying insurance online makes this process obsolete unless you want the trained guidance that only a license agent can provide. It is possible to compare online quotes but buy from a local insurance agent and we'll cover that in a bit.

Whichever method you choose, make darn sure you compare the exact same coverage limits for each comparison quote. If you enter differing limits you can't possibly determine the lowest rate in Germantown. Slightly different coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding better pricing.

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Your needs are not the same as everyone else's and your policy should reflect that. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Why does it cost so much to insure a teen driver in Germantown?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in Wisconsin?
  • Should I put collision coverage on all my vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I drive in a foreign country?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Shop smart and save

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best price.

Cheap car insurance is attainable from both online companies and also from your neighborhood Germantown agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and most of the time these regional insurance providers sell through independent agents.