Car Insurance in Kiel Wisconsin - 8 Discounts You Might be Losing Out On

No one likes having to buy car insurance, especially when they are paying too much.

You have so many to pick from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

How much can you save with these eight discounts?

Companies that sell car insurance don't always advertise all available discounts very clearly, so here is a list some of the more common and the more hidden ways to save on car insurance.

Defensive Driver - Taking a driver safety course can save you 5% or more if you qualify.
Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Auto/Home Discount - If you have multiple policies with one company you may earn 10% to 20% off each policy.
Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education in school.
Fewer Miles Equal More Savings - Driving fewer miles can qualify you for better rates on cars that stay parked.
Military Discounts - Having a family member in the military could mean lower rates.
No Claims - Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.
Multi-car Discount - Buying insurance for more than one vehicle on one policy could earn a price break for each car.

It's important to note that most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you're out of luck.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different so this has to be addressed. For example, these questions might point out if your insurance needs would benefit from professional advice.

Do I really need UM/UIM coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What is the difference between comprehensive and collision coverage?
Is rental equipment covered for theft or damage?
Is my dog or cat covered if injured in an accident?
Am I covered when delivering products for my home-based business?
Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

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

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies make the same claim that you can save if you switch your policy. How does each company make the same claim?

Different companies have a certain "appetite" for the right customer that earns them a profit. An example of a profitable customer could be a mature driver, owns a home, and drives newer vehicles. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards must pay a more expensive rate which leads to business going elsewhere. The ads state "people who switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can claim big savings. This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

Additional detailed information is available at the Wisconsin Office of the Commissioner of Insurance website. Consumers can discover disciplinary actions, find out industry alerts, view agent and company licensing information, and view a list of available companies.

Also read more on this resource for Wisconsin car insurance prices and this link which helps you find a Kiel agent.

Do the work, save more money

Lower-priced car insurance can be found from both online companies in addition to many Kiel insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don't skimp on coverage in order to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.