8 Tips to Save on Car Insurance in Omro

Tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as many other Wisconsin drivers. Because you have many different company options, it can be impossible to choose the cheapest car insurance company.

It's important to compare prices once or twice a year since rates are constantly changing. Despite the fact that you may have had the best price on your last policy there may be better deals available now. Ignore everything you know about car insurance because you're about to learn one of the best ways to buy cheaper car insurance.

Finding affordable coverage in Omro is easy if you know what you're doing. If you have a current car insurance policy or need new coverage, you can use these techniques to find better prices while maintaining coverages. Wisconsin vehicle owners just need to know the most effective way to compare rates over the internet.

Wisconsin car insurance quotes

Policy discounts you shouldn't miss

Auto insurance companies don't always list all their discounts very well, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If you don't get every credit available, you're just leaving money on the table.

  • Save with a New Car - Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Good Students Pay Less - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • One Accident Forgiven - Some insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
  • Life Insurance - Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Driver Safety - Taking part in a defensive driving course could save 5% or more depending on where you live.
  • Bundle and Save - When you have multiple policies with one company you will save approximately 10% to 15%.
  • Seat Belts Save - Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.

Drivers should understand that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, companies wouldn't make money that way.

For a list of companies who offer car insurance discounts in Wisconsin, click here to view.

How to Compare Car Insurance Costs in Omro

Finding a better price on car insurance doesn't have to be difficult. Consumers just need to spend a few minutes comparing rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

One of the best ways to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form eliminates the need for separate quote forms to each individual car insurance company. Taking the time to complete one form will get you rate comparisons from many national carriers.

A more time consuming way to shop for car insurance online requires you to visit the website for each individual company and fill out their own quote form. For instance, let's assume you want rates from , and . To find out each rate you need to go to every website and enter your policy data, and that's why the first method is more popular.

For a list of links to companies insuring cars in Omro, click here.

The least recommended way to get comparison rates is driving to insurance agents' offices. Buying insurance online makes this process obsolete unless you have a need for the personal advice only provided by licensed Omro agents. However, consumers can compare online quotes but buy from a local insurance agent and we'll cover that in a bit.

It's up to you which method you use, but double check that you are using apples-to-apples coverage information for every quote you compare. If you use unequal deductibles or liability limits you will not be able to determine the best price in Omro.

And the best car insurance company is...

When you buy insurance online, don't be tempted to sacrifice coverage to reduce premiums. In many instances, an insured dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage for the lowest price.

We just covered some good ideas how you can get a better price on car insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with a lesser-known regional company. These companies may only write in your state and offer lower rates compared to the large companies like .