Free Guide to Paying Less for Mauston Auto Insurance Online

Have you had enough of trying to scrape together enough money each month for car insurance? You are no different than many other Wisconsin drivers. Numerous battle for your hard-earned dollar, so it's not easy to compare every and uncover the absolute lowest price

If you have a current auto insurance policy or need new coverage, you will benefit by learning to find better prices while maximizing coverage. Finding affordable coverage in Mauston is not that difficult. Wisconsin consumers only need to know the most efficient way to compare company rates over the internet.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. Understanding what impacts premium levels enables informed choices that could result in lower auto insurance prices.

The following are a partial list of the pieces auto insurance companies consider when setting premiums.

Choose a safe vehicle and save - Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Occupations such as judges, business owners and accountants tend to have higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations like farmers, athletes and performers receive lower rates.
With age comes lower rates - Mature drivers are more responsible, tend to file fewer claims and are safer drivers. Teenage drivers are known to be more careless in a vehicle therefore auto insurance rates are much higher.
Don't skimp on liability - Liability coverage will protect you if a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Optional equipment can affect rates - Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
Men pay higher rates - The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Women and men have accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to receive more costly citations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
Consolidate policies to earn discounts - Many insurers will award you with lower prices to people who have multiple policies with them. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you're getting this discount you may still want to comparison shop to ensure the best deal. You may still find better rates by insuring with multiple companies.
Extra add-on coverages are wasting money - There are a ton of extra bells and whistles that you can get tricked into buying if you aren't careful. Coverages like vanishing deductibles, accidental death and term life insurance may be costing you every month. These may sound like a good investment at first, but if they're wasting money get rid of them and save.

Be sure to get all your discounts

Companies that sell car insurance don't list all available discounts in an easy-to-find place, so we researched some of the best known and the more hidden savings tricks you should be using. If they aren't giving you every credit available, you are paying more than you should be.

Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% depending on your company.
Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
Organization Discounts - Affiliation with certain professional organizations is a good way to get lower rates when buying auto insurance.
Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
One Accident Forgiven - A few companies permit an accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
Auto/Home Discount - If you insure your home and vehicles with one company you will save up to 20% off your total premium.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates it's possible to get free car insurance, you won't be that lucky.

To choose insurers who offer auto insurance discounts in Mauston, click here to view.

Is there truth in advertising?

Wisconsin drivers can't ignore all the ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies make an identical promise about savings after switching to their company.

How do they all say the same thing?

All companies can use profiling for the driver that makes them money. For instance, a profitable customer might be profiled as between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile must pay higher prices and ends up with business not being written. The ad wording is "people who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully advertise the way they do. This illustrates why you should get quotes from several different companies. It's not possible to predict the company that will provide you with the cheapest rates.

Even more information is located at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin drivers can find disaster information, read industry bulletins, read enforcement actions against agents and companies, and find out which companies have the most complaints.

Best coverage at the best price

The cheapest auto insurance can be bought on the web and also from your neighborhood Mauston agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for auto insurance, never buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.