How to Know You're Throwing Money Away for Auto Insurance in Oneida

Are you sick and tired of being strong-armed each month for car insurance? You're in the same situation as many other drivers in Wisconsin. Because you have many insurance companies to choose from, it can be hard to choose the lowest price insurer.

It's important to compare rates before your policy renews because prices are constantly changing. If you had the best deal two years ago you may be paying too much now. So just forget all the misinformation about auto insurance because you're going to get a crash course in the proper way to properly buy coverages and cut your premium.

Cheap Oneida Auto Insurance Comparisons

Shopping for lower auto insurance rates can be a lot of work if you don't know the most efficient way to do it. You could spend your day driving to local insurance agents in Oneida, or you could save time and use the web for quick rates.

All the larger companies belong to an insurance system that allows shoppers to complete one form, and at least one company then gives them pricing based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of system is you don't know exactly which companies to receive prices from. So if you prefer to pick individual companies to receive pricing from, we have assembled a list of auto insurance companies in Wisconsin. View list of Wisconsin insurance companies.

Whichever method you choose, ensure you're using apples-to-apples deductibles and coverage limits on every quote. If each company quotes different values for each quote it's not possible to make a fair comparison in Oneida.

You have some control over your rates

It's important that you understand the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with better auto insurance rates.

Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that men are worse drivers. Men and women have accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
Rates may be lower depending on your job - Jobs such as doctors, social workers and stock brokers tend to have the highest rates because of high stress and long work hours. On the other hand, occupations like farmers, students and the unemployed receive lower rates.
Choose a safe vehicle and save - Safer cars get lower rates. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
Careful drivers pay lower rates - Your driving citation history has a big impact on rates. Just one speeding ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums than people who have multiple driving citations. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
Bump up deductibles to save - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be a windshield shattered by a rock, collision with an animal, or theft. The deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.
Where you live - Being located in a small town can be a good thing when insuring your vehicles. Urban drivers have to deal with much more traffic and longer commute times. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
Rate your vehicle for proper use - The more you drive every year the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Cars that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance policy properly reflects the correct driver usage, because it can save money.
Older drivers save more - Teen drivers in Wisconsin tend to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.

How much can you save with discounts?

Companies that sell car insurance don't always list all their discounts very well, so here is a list both well-publicized as well as the least known discounts you could be receiving. If you don't get every credit available, you're just leaving money on the table.

Save over 55 - Older drivers can possibly qualify for better auto insurance rates.
No Accidents - Claim-free drivers can earn big discounts as compared to frequent claim filers.
Service Members Pay Less - Being deployed with a military unit can result in better rates.
Good Students Pay Less - Getting good grades can save 20 to 25%. The discount lasts up to age 25.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.

Keep in mind that some credits don't apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, it just doesn't work that way.

For a list of companies with the best auto insurance discounts in Wisconsin, click here.

Additional detailed information is available at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can learn about insurance regulations, read industry bulletins, find disaster information, and file complaints about a company.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Oneida.

And the best car insurance company is...

When buying insurance coverage, don't be tempted to reduce needed coverages to save money. There are many occasions where an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.

You just read a lot of ways to lower your auto insurance rates. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the biggest savings come from the least-expected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like .