9 Discounts Menasha Shoppers Forget when Shopping for Car Insurance
Have you had enough of trying to scrape together enough money each month for car insurance? You're in the same situation as most other car owners in Wisconsin.
Since consumers have many online and local companies to choose from, it can be hard to find the lowest price provider.
Choosing the best insurance company for you in Menasha is easy if you know what you're doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But Wisconsin consumers do need to know how companies determine prices and apply this information to your search.
How to Compare Car Insurance Costs in Menasha
There are multiple methods you can shop for car insurance but some are more efficient than others. You can spend your afternoon talking to insurance companies in Menasha, or you could use the internet to get the quickest rates.
Most of the larger companies enroll in a system that enables customers to submit one quote, and at least one company provides a quote based on that data. This saves time by eliminating quote forms to each individual car insurance company.
To submit your quote information now, click here to open in new window.
The one downside to using this type of system is you cannot specify which providers to get pricing from. So if you want to select specific providers to compare rates, we have a page of companies who write car insurance in Wisconsin. View list of Wisconsin insurance companies.
It's up to you which method you use, but double check that you are using apples-to-apples deductibles and coverage limits on every quote. If you have different values for each quote you can't possibly make a fair comparison in Menasha. Quoting even small variations in insurance coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes provides better odds of finding better pricing.
Don't pay full price with these nine discounts
Car insurance companies don't list all available discounts very well, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.
- Fewer Miles Equal More Savings - Keeping the miles down can earn discounted rates on garaged vehicles.
- Driver's Ed - Cut your cost by having your teen driver enroll in driver's education in high school.
- Service Members Pay Less - Being on active duty in the military can result in better rates.
- Anti-lock Brake System - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Life Insurance - Select insurance companies reward you with a break if you buy a life insurance policy as well.
- Senior Citizens - If you're over the age of 55, you can possibly qualify for better car insurance rates.
- Organization Discounts - Being a member of a professional or civic organization is a good way to get lower rates when buying car insurance.
- Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- More Vehicles More Savings - Having multiple cars or trucks with the same company can get a discount on all vehicles.
Consumers should know that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.
To choose insurers with the best car insurance discounts in Wisconsin, click here to view.
The car insurance bait and switch
21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies make an identical promise that you'll save big if you move to their company. But how can every company claim to save you money? It's all in the numbers.
All companies can use profiling for the driver that makes them money. For example, a profitable customer might be between 25 and 40, has no tickets, and has a high credit rating. Any new insured who meets those qualifications will get very good rates and therefore will save a lot of money.
Consumers who don't measure up to this ideal profile must pay higher rates and ends up with the customer not buying. The ads say "customers who switch" not "everyone that quotes" save that much. That's why companies can state the savings. This illustrates why you need to compare as many rates as you can. It's just too difficult to predict the company that will have the lowest rates.
More detailed Wisconsin car insurance information can be found at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to find disaster information, download brochures, view a list of available companies, and find out industry alerts.
Other informative sites include this page for car insurance prices in Wisconsin and this page of Menasha insurance agents.
The best insurance company isn't always the cheapest
Discount car insurance is possible both online and also from your neighborhood Menasha agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
As you restructure your insurance plan, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.
