Green Bay Auto Insurance For Less Than You're Paying Now

Finding lower premiums on Green Bay auto insurance is nearly impossible for beginners to comparison shopping online. Drivers have so many choices that it can quickly become a big hassle to find the best price in Green Bay.

It's important to compare prices once or twice a year because insurance rates are constantly changing. Just because you found the lowest rates last year the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about auto insurance because you're about to learn the tricks you need to know to find lower rates on auto insurance.

Take advantage of discounts

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 purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

Homeowners Pay Less - Owning a house in Green Bay can help you save on auto insurance because maintaining a house is proof that your finances are in order.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
Multiple Cars - Insuring all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
Save over 55 - Mature drivers may receive a small decrease in premiums.
Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
Memberships - Participating in a qualifying organization is a good way to get lower rates on auto insurance.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

To see a list of companies with discount auto insurance rates in Virginia, click here to view.

How to Compare Auto Insurance Costs in Green Bay

There are several ways of comparing rate quotes and find the best price. The best method to find competitive insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form eliminates the need for separate forms to each individual auto insurance company. Taking the time to complete one form gets you price quotes from several companies. Recommended for those who want to invest the least amount of time.
A less efficient way to compare rate quotes requires a trip to each individual company website and fill out their own quote form. For sake of this example, let's assume you want rates from , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is more popular. To view a list of companies in Green Bay, click here.
The least recommended way of getting rate comparisons is driving to local Green Bay insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you require the trained guidance only provided by licensed Green Bay agents. However, consumers can obtain prices from the web and still use a local agent.

It's up to you which method you use, but double check that you are using identical quote information for every quote you compare. If you enter mixed coverages it's not possible to determine the best price in Green Bay. Quoting even small variations in coverages can result in a big premium difference. It's important to know that comparing a large number of companies helps locate a better price.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Shown below are a few of the "ingredients" used by your company to calculate rates.

Pay less if you're married - Having a spouse helps lower the price on your policy. It translates into being more responsible and it's proven that drivers who are married are more cautious.
Your car's features help determine rates - Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, vandalism, and windstorm damage. Deductibles for physical damage are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance.
Males pay more for insurance - The statistics show that women are safer drivers than men. Now that doesn't mean women are BETTER drivers than men. They both tend to get into accidents in similar percentages, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.
Safe vehicles cost less to insure - Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Liability coverage protects you - Your policy's liability coverage will protect you if ever a court rules you are at fault for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Rate your vehicle for proper use - The higher the mileage driven every year the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to make an identical promise about savings if you change your coverage to them. How does each company make almost identical claims?

All the different companies can use profiling for the type of customer that is profitable for them. For example, a desirable insured could possibly be a mature driver, has no tickets, and has great credit. A driver who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "people who quote" save that much money. That's why companies can truthfully advertise the savings.

Because of the profiling, drivers must quote coverage with many companies. It is impossible to predict the company that will give you the biggest savings.

The best insurance company isn't always the cheapest

Cheap auto insurance can be sourced online as well as from independent agents in Green Bay, and you need to price shop both so you have a total pricing picture. There are still a few companies who don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

People leave their current company for a number of reasons such as an unsatisfactory settlement offer, extreme rates for teen drivers, lack of trust in their agent or denial of a claim. No matter why you want to switch, choosing a new insurance company is actually quite simple.

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. In many cases, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at a price you can afford.

More Virginia auto insurance information

Additional information can be found on the Virginia Bureau of Insurance website located here. Virginia consumers can get help finding coverage, view a list of available companies, and report car insurance fraud.