Top Ways to Save on Nekoosa Auto Insurance

Paying for high-priced auto insurance can take a big chunk out of your savings account, especially in this economy. Comparison shopping is a smart way to help make ends meet.

Insurance companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to shop coverage around yearly because insurance rates are constantly changing. Just because you had the lowest rates a few years ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about auto insurance because you're about to learn the tricks you need to know to find better rates and still maintain coverage.

Tips to Get Lower Nekoosa Rates

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Where you live can impact rates - Residing in a rural area can be a good thing when insuring your vehicles. Less people living in that area means a lower chance of having an accident. City drivers regularly have much more traffic to deal with and longer commute times. Higher commute times can result in more accidents.
High credit ratings translate to low rates - Credit score is a important factor in determining what you pay for auto insurance. If your credit history is lower than you'd like, you could save money insuring your by improving your credit score. People with high credit scores tend to be more responsible than drivers who have poor credit.
Choose a safe vehicle and save - Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.
Your occupation can affect rates - Did you know that where you work can have an impact on rates? Jobs such as lawyers, architects and dentists have the highest average rates because of high stress levels and lengthy work days. Other occupations such as pilots, historians and homemakers get better rates.
Higher deductibles cost less - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles are how much you are willing to pay before your auto insurance pays a claim. The higher the amount you have to pay, the bigger discount you will receive.

Compare Auto Insurance Today

All major auto insurance companies provide coverage price quotes online. Getting online rates is fairly simple as you just type in your required coverages as detailed in the form. After the form is submitted, the company's rating system will obtain your driving record and credit report and returns pricing information based on many factors. Online quotes streamlines rate comparisons, but the time it takes to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it's very important to get many rate quotes if you want to find better auto insurance pricing.

Quote rates the easy way

The preferred way to compare auto insurance pricing uses one simple form that obtains quotes from many companies. The form is fast, requires less work, and makes comparison shopping much more efficient. As soon as you send your information, it gets priced and you can choose your choice of the resulting price quotes. If a lower price is quoted, you simply finish the application and buy the policy. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To save time and find out what other companies charge, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you enter coverages and limits as close as possible to your current policy. This makes sure you are getting a fair comparison for the exact same coverage.

These discounts can lower your rates

Auto insurance companies don't list all their discounts in a way that's easy to find, so we break down both well-publicized as well as the least known auto insurance savings.

Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
Bundle and Save - If you insure your home and vehicles with one insurance company you could get a discount of up to 20% off your total premium.
Passive Restraint Discount - Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in school.
Drive Less and Save - Driving fewer miles can earn lower rates on the low mileage vehicles.
Lower Rates for Military - Having a deployed family member could mean lower rates.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like it's possible to get free car insurance, you won't be that lucky.

To choose companies offering auto insurance discounts in Nekoosa, follow this link.

Are you falling for claims of savings?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. They all seem to say the same thing about savings if you switch your coverage to them. How can each company make almost identical claims?

All companies have a preferred profile for the type of customer that makes them money. For example, a desirable insured could possibly be over the age of 50, has no prior claims, and drives less than 7,500 miles a year. A driver who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save that much money. This is how companies can truthfully advertise the way they do. Because of the profiling, you need to quote coverage with many companies. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Different people need different coverages

When buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover whether you may require specific advice.

When does my teenage driver need to be added to my policy?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
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 you don't know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Even more information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can view agent and company licensing information, find out industry alerts, find disaster information, and read industry bulletins.

Shop smart and save

When shopping online for auto insurance, it's not a good idea to reduce coverage to reduce premium. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at a price you can afford.

In this article, we presented many ways to compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from the least-expected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as .

Cheaper auto insurance is available online as well as from independent agents in Nekoosa, and you should be comparing both to get a complete price analysis. Some auto insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.