Slinger Auto Insurance For Less Than You're Paying Now

Finding lower rates for Slinger auto insurance is nearly impossible for consumers new to comparing rates online. You have so many choices that it can be a challenge to locate the lowest price in Slinger.

It's important to get comparison quotes once or twice a year because prices are constantly changing. If you had the lowest price a couple years back a different company probably has better rates today. Block out anything you think you know about auto insurance because you're about to find out one of the easiest ways to find better coverage at a better price.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked about prior to receiving the credit.

Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
No Claims - Claim-free drivers pay much less as compared to drivers who are more careless.
Defensive Driving Course - Taking part in a course in driver safety could save 5% or more if you qualify.
Discount for New Cars - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

Understand what determines the rate you pay

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with big savings.

Sex matters - The statistics show women are more cautious behind the wheel. However, don't assume that men are WORSE drivers than women. They both have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
High numbers of claims are not good - Car insurance companies in Wisconsin generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
Your car's features help determine rates - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Rates may be lower depending on your job - Jobs such as judges, social workers and dentists are shown to have the highest average rates attributed to high stress levels and lots of time spent at work. Other occupations like farmers, historians and the unemployed pay the least.
Don't buy coverages you don't need - There are a lot of extra bells and whistles that you can buy on your auto insurance policy. Insurance for vanishing deductibles, towing coverage and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.
The more you drive the more you pay - The more you drive every year the more you will pay for auto insurance. The majority of insurers apply a rate based upon how you use the vehicle. Cars not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
Low deductibles can be expensive - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, vandalism, or theft. The deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The more the insured has to pay upfront, the less your company will charge you for insurance.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to have a common claim about savings if you move your policy. How can each company make almost identical claims?

All the different companies can use profiling for the right customer that earns them a profit. For instance, a desirable insured could possibly be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will have to pay higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully advertise the way they do.

Because of the profiling, drivers should get a wide range of price quotes. It's impossible to know the company that will provide you with the cheapest rates.

More Wisconsin auto insurance information

Additional information is located on the Wisconsin Office of the Commissioner of Insurance website through this link. Wisconsin consumers can learn about insurance regulations, download brochures, and view a list of available companies.

Do the work, save more money

As you go through the steps to switch your coverage, it's not a good idea to skimp on coverage in order to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that the savings was not a smart move. Your aim should be to buy enough coverage at an affordable rate.

Drivers who switch companies do it for many reasons like denial of a claim, extreme rates for teen drivers, questionable increases in premium and even delays in responding to claim requests. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

Cheap auto insurance is possible online in addition to many Slinger insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.