Lower Online Spring Green Auto Insurance Prices With These Methods

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies offering insurance in Spring Green.

It's important to compare prices periodically because prices are constantly changing. Even if you think you had the lowest rates a couple years back you may be paying too much now. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

Spring Green Auto Insurance Comparisons

The are a couple different ways of comparing price quotes from different Spring Green insurance companies. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished in a couple of different ways.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method saves time by eliminating a different quote for each company you want a rate for. Just one form will get you price quotes . It's definitely the quickest method.

A more difficult way to shop for auto insurance online requires a visit to each individual company website to complete a price quote. For sake of this example, we'll assume you want to compare , and . To get each rate you have to spend time on each company's site to input your insurance information, which is why the first method is more popular.

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

The least efficient method of getting rate comparisons is to waste gas driving to local Spring Green insurance agencies. Buying insurance online makes this process obsolete unless you require the professional advice that only a license agent can provide. You can, however, compare the best prices online but buy from a local insurance agent. We'll cover that shortly.

Whichever way you use, be sure to compare identical coverage limits with each company. If each company quotes differing limits it's impossible to make an equal comparison in Spring Green. Just a small difference in limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps you find better pricing.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

Shown below are a few of the "ingredients" auto insurance companies consider when setting rates.

Men are more aggressive - Statistics show that women are safer drivers than men. Now that doesn't mean men are worse drivers. Both sexes have accidents in similar percentages, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.
Careful drivers pay lower rates - Just one moving violation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations like 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 prevent a license revocation.
Do you need the policy add-ons? - There are quite a few additional coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they're wasting money eliminate them to save money.
Proper usage rating affects rates - The higher the mileage driven each year the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle.

Policy discounts you shouldn't miss

Companies do not advertise all their discounts very clearly, so we break down both well-publicized as well as the least known auto insurance savings.

Accident Forgiveness - Certain companies will forgive one accident without raising rates as long as you don't have any claims for a set time period.
Passive Restraint Discount - Factory air bags or motorized seat belts may earn rate discounts up to 30%.
Safety Course Discount - Successfully completing a course in driver safety can save you 5% or more depending on where you live.
Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn't work that way.

For a list of companies with discount auto insurance rates in Wisconsin, follow this link.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's situation is a little different.

For example, these questions may help highlight whether your personal situation might need an agent's assistance.

Does my policy cover me when driving someone else's vehicle?
Can I rate high risk drivers on liability-only vehicles?
Should I rate my vehicle as pleasure use or commute?
What happens if I owe more than my vehicle is worth?
Am I covered if I wreck a rental car?
Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Additional detailed information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can learn about insurance regulations, file complaints about a company, and discover disciplinary actions.

Other useful links include this site for Wisconsin auto insurance information and see this list of insurance agents in Spring Green.

Final considerations

Affordable auto insurance is attainable online and also from your neighborhood Spring Green agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

You just read many ways to lower your auto insurance rates. It's most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from some of the lesser-known companies.

As you go through the steps to switch your coverage, make sure you don't reduce needed coverages to save money. In many cases, someone dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.