10 Ways You Can Buy Car Insurance for Less in Holmen

I can't think of anyone who looks forward to paying for car insurance, especially when the cost is too high.

Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to do rate comparisons periodically since rates are constantly changing. Just because you found the best rates a few years ago you will most likely find a better rate today. There is a lot of bad advice regarding car insurance online but we're going to give you some great ways to put money back in your pocket.

If you have car insurance now, you will be able to reduce your rates substantially using this information. Finding affordable coverage in Holmen is quite easy. Nevertheless, Wisconsin car owners do need to know how big insurance companies sell online.

How much can you save with these ten discounts?

Auto insurance companies don't always list every available discount in a way that's easy to find, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving.

  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Homeowners Savings - Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Military Rewards - Being deployed with a military unit may qualify for rate reductions.
  • Anti-theft Discount - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Accident Free - Good drivers with no accidents pay less compared to drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.
  • New Car Discount - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Resident Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Clubs and Organizations - Belonging to a civic or occupational organization may earn a discount on your policy.

It's important to understand that some credits don't apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think it's possible to get free car insurance, it doesn't quite work that way.

Holmen car insurance quote

How much car insurance do I need?

When it comes to buying coverage for your vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different and your policy should reflect that. For example, these questions may help highlight if your insurance needs might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Wisconsin?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads have a common claim of big savings after switching to them. How can each company make the same claim? This is how they do it.

All companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a preferred risk could be between 30 and 50, a clean driving record, and has a short commute. Any new insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will be charged higher prices and this can result in business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently make the claims of big savings. That is why you should quote coverage with many companies. It's just too difficult to predict which company will fit your personal profile best.

More tips and info about car insurance can be read at the Wisconsin Office of the Commissioner of Insurance website. Consumers can find out industry alerts, file complaints about a company, get help finding coverage, and view a list of available companies.

Wisconsin car insurance

Final considerations

As you shop your coverage around, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

You just learned a lot of ways to reduce car insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the best prices are with a lesser-known regional company. Regional companies can often provide lower rates in certain areas compared to the large companies like .

Low-cost car insurance can be sourced from both online companies and with local Holmen insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.