Top Ways to Save on Hartland Auto Insurance

Are you tired of being strong-armed each month for car insurance? You are no different than many other Wisconsin consumers.

Multiple compete to insure your vehicles, so it's not easy to compare every to get the lowest rate

It's important to shop coverage around once or twice a year because prices are constantly changing. If you had the lowest price on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the fastest and easiest way to eliminate unnecessary coverages and save money.

Tips to Get Lower Hartland Rates

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The list below includes a partial list of the pieces used by your company to calculate rates.

Men fork out a little more - The statistics show that men are more aggressive behind the wheel. However, don't assume that women are BETTER drivers than men. Women and men have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.
Frequent auto insurance claims increase rates - If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Wisconsin provide better rates to drivers who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.
Rates may be higher depending on your occupation - Jobs such as judges, architects and accountants have higher rates than average due to high stress and lengthy work days. On the flip side, occupations like farmers, athletes and the unemployed get better rates.
Do you need those extra coverages? - There are a lot of extra bells and whistles that you can buy when buying auto insurance. Coverages like vanishing deductibles, towing coverage and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so get rid of them and save.
Marriage pays dividends - Having a wife or husband actually saves money when buying auto insurance. It translates into being more mature and statistics show drivers who are married are more cautious.
High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims would be collision with another vehicle, damage caused by hail, or theft. Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more you have to pay, the less your company will charge you for insurance.

Comprehensive Auto Insurance Comparison in Hartland

There are several ways you can shop for auto insurance but one way is easier and takes less work. You can spend your afternoon discussing policy coverages with insurance companies in Hartland, or you could use online quoting to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company then gives them pricing. This eliminates the need for quotation requests to each individual auto insurance company.

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

One minor caviat to getting quotes like this is you cannot specify which providers to receive prices from. So if you want to select specific providers to compare rates, we have assembled a list of companies who write auto insurance in Wisconsin. View list of Wisconsin insurance companies.

Whichever way you use, double check that you are using the exact same coverages for every quote you compare. If you compare different limits and deductibles on each one then you won't be able to determine the best price in Hartland. Just a small difference in limits may result in large price differences. It's important to know that comparing more company's prices will increase your chances of finding lower pricing.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known auto insurance savings.

Senior Citizens - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
Student Driver Training - Cut your cost by having your teen driver complete a driver education course in high school.
Claim Free - Claim-free drivers pay much less as compared to accident-prone drivers.
Drive Less and Save - Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
Sign Online - Certain companies may give you up to $50 just for signing your application on their website.

It's important to note that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you're out of luck.

To choose companies with the best auto insurance discounts in Hartland, follow this link.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to say the same thing that you can save if you move your coverage to them. How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the type of customer that makes them money. For instance, a desirable insured might be between 25 and 40, has no tickets, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay higher prices which usually ends up with the customer not buying. The ads say "customers who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can advertise the savings. Because of the profiling, you need to get as many quotes as possible. It's impossible to know the company that will fit your personal profile best.

Additional detailed information is located at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to learn about insurance regulations, download brochures, read industry bulletins, and discover disciplinary actions.

Do the work, save more money

When you buy insurance online, you should never reduce coverage to reduce premium. There are many occasions where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best price.

Lower-priced auto insurance is definitely available both online as well as from independent agents in Hartland, so you should compare both so you have a total pricing picture. There are still a few companies who don't offer online price quotes and most of the time these small, regional companies sell through independent agents.