5 Ways to Save on Car Insurance in Marion

If you've never shopped for car insurance online, it's easy to get confused by the large number of car insurance companies offering insurance in Marion.

It's important to check car insurance prices periodically since rates are constantly changing. Despite the fact that you may have had the best deal a few years ago you may be paying too much now. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

Marion Car Insurance Comparisons

There are several ways to get quotes from different Marion insurance companies. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quotes for every car insurance company. Just one form will get you rate comparisons instantly. It's the fastest way to compare.

A more time consuming way to compare rate quotes requires you to visit each company's website and fill out their own quote form. For sake of this example, let's assume you want to compare , and . To get rate quotes you would need to spend time on each company's site and enter your policy data, and that's why the first method is more popular.

To view a list of companies in Marion, click here.

The hardest method to get comparison rates is driving to insurance agents' offices. The internet makes this process obsolete unless you have a need for the trained guidance of a local Marion agent. Drivers can compare the best prices online and still use a local agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just be sure to compare exactly the same coverage information for each comparison quote. If you enter unequal deductibles or liability limits it will be very difficult to determine the lowest rate in Marion. Having just a slight variation in coverages can make a big difference in price. Keep in mind that quoting more will increase your chances of finding the best offered rates.

Marion car insurance comparison

Take advantage of discounts

Auto insurance companies don't always publicize all their discounts in a way that's easy to find, so here is a list both the well known and the harder-to-find ways to save on car insurance.

  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Good Student - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Senior Citizens - Older drivers may be able to get reduced rates.
  • Payment Method - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Bundle and Save - When you have multiple policies with the same company you may earn up to 20% off your total premium.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, you won't be that lucky.

For a list of companies who offer car insurance discounts in Marion, click this link.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's situation is unique.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Wisconsin?
  • Should I buy additional glass protection?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Even more information is available at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to read enforcement actions against agents and companies, file complaints about a company, and learn about insurance regulations.

Wisconsin car insurance

Shop smart and save

When shopping online for car insurance, it's not a good idea to reduce needed coverages to save money. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage for the lowest price.

We just covered some good ideas how to lower your car insurance rates. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the best price on car insurance is with a smaller regional carrier.

Insureds change insurance companies for any number of reasons including not issuing a premium refund, poor customer service, denial of a claim and unfair underwriting practices. No matter why you want to switch, switching car insurance companies is not as hard as you think.