Proven Techniques to Save on Milwaukee Car Insurance

Scraping up a payment for overpriced car insurance can drain your personal savings and force you to make sacrifices. Doing a price comparison is free and is an excellent way to make sure you're not throwing money away. Drivers have so many to pick from, and although it's a good thing to have a choice, too many choices makes it more difficult to compare rates.

This information will teach you how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Wisconsin vehicle owners just need to know the proper way to buy car insurance on the web.

Where Can I Get Cheap Milwaukee Car Insurance?

Most major insurance companies like State Farm, Allstate and GEICO give price estimates on their websites. The process is quite simple as you simply type in your required coverages as detailed in the form. Behind the scenes, their rating system will obtain your credit score and driving record and quotes a price based on these and other factors. This streamlines rate comparisons, but having to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it's very important to have as many quotes as possible in order to get the best price on car insurance.

A less time-consuming method to compare car insurance pricing utilizes a single form that gets prices from multiple companies. The form is fast, reduces the work, and makes online shopping a lot less work. After sending the form, your coverage is rated with multiple companies and you can pick any one of the returned quotes.

If the quotes result in lower rates, it's easy to complete the application and buy the policy. This process takes less than 15 minutes and may result in a nice savings.

If you want to find out if lower rates are available, click here to open in new window and input your coverage information. To compare your current rates, we recommend you type in the coverage information identical to your current policy. This way, you will be getting rate quotes based on similar coverages.

compare Milwaukee car insurance rates

How to Lower your Car Insurance Rates

It's important that you understand the rating factors that play a part in calculating your car insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

Shown below are a few of the "ingredients" used by your company to calculate prices.

  • Your car's features help determine rates - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your vehicle from being stolen.
  • The more you drive the more you pay - The higher the mileage driven in a year's time the higher your rate. Almost all companies rate vehicles based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance declarations sheet shows the correct usage for each vehicle.
  • Don't buy coverages you don't need - There are quite a few add-on coverages that can waste your money on your policy. Coverages for rental car reimbursement, accident forgiveness and additional equipment coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
  • Your location is important - Residing in small towns and rural areas can save you money when it comes to car insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident.
  • How's your driving record? - Drivers who don't get tickets receive lower rates than their less careful counterparts. Only having one ticket can bump up the cost by as much as thirty percent. If you have dangerous violations like DUI or reckless driving may find they need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.

Are you getting all your discounts?

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Some trigger automatically at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Pay Now and Pay Less - If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Auto/Life Discount - Select insurance companies reward you with a discount if you purchase life insurance.
  • Safety Course Discount - Successfully completing a driver safety course could cut 5% off your bill depending on where you live.
  • Multiple Policy Discount - When you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
  • Good Student Discount - Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Multiple Cars - Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Accident Waiver - Certain companies permit an accident without raising rates if your claims history is clear for a set time period.
  • Club Memberships - Belonging to a qualifying organization could trigger savings when shopping for car insurance.
  • Drivers Education - Require your teen driver to successfully complete driver's ed class if offered at their school.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way. But all discounts will bring down the cost of coverage.

For a list of insurance companies with discount car insurance rates in Wisconsin, click this link.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there isn't really a best way to insure your cars. Everyone's needs are different so this has to be addressed. For instance, these questions can help discover whether you would benefit from an agent's advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • What are the financial responsibility laws in Wisconsin?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.

Much more information about car insurance in Wisconsin can be found on the website for the Wisconsin Office of the Commissioner of Insurance through this link. Consumers can view a list of available companies, file complaints about an insurance agent or broker, discover disciplinary actions, and view agent and company licensing information.

Other useful links include this page for car insurance prices in Wisconsin and this list of insurance agents in Milwaukee, WI.

Wisconsin car insurance quotes

And the best car insurance company is...

As you shop your coverage around, make sure you don't reduce needed coverages to save money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.

Discount car insurance is attainable from both online companies as well as from independent agents in Milwaukee, so you should compare both so you have a total pricing picture. Some insurance providers don't offer online quoting and these regional insurance providers work with independent agents.