Top Ways to Save on St Germain Auto Insurance

No one in their right mind likes paying for auto insurance, in particular when the cost is way too high. Multiple compete for your business, and it can be difficult to compare rates to find the lowest rate

It's important to compare prices periodically because insurance rates are constantly changing. Just because you found the best price last year the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to how to use online quotes to properly buy coverages while reducing your premium.

If you have a current auto insurance policy or need new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Buying car insurance in St Germain is easy if you know what you're doing. Wisconsin vehicle owners just need to know how to get comparison rates over the internet.

Save big with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Most are applied when you quote, but a few need to be asked for before you get the savings. If they aren't giving you every credit you qualify for, you're paying more than you need to.

Discount for New Cars - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
Sign Online - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
Drive Less and Save - Fewer annual miles can earn a substantially lower rate.
Homeowners Savings - Owning a house in St Germain can save you money due to the fact that maintaining a home is proof that your finances are in order.
Accident Forgiveness - A few companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.
Federal Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
College Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Passive Restraints - Factory air bags or motorized seat belts can get savings of more than 20%.
Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

Drivers should understand that some credits don't apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies wouldn't make money that way. But all discounts will cut your overall premium however.

To see a list of companies who offer auto insurance discounts in St Germain, click here.

St Germain Auto Insurance Comparisons

Finding cheaper auto insurance prices isn't really that difficult. You just have to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do separate forms for every auto insurance company. Just one form gets you price quotes from several companies.
A less efficient way to get quotes online requires visiting each company's website to complete their respective quote request forms. For examples sake, let's assume you want to compare , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker. To view a list of companies in St Germain, click here.
The most time-consuming method to get comparison rates to local St Germain insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you want the personal advice of a local St Germain agent. It is possible to obtain prices from the web and still use a local agent.

Whichever method you choose, be sure to compare the exact same quote information on every quote you get. If the quotes have mixed coverages you can't possibly determine which rate is truly the best in St Germain.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The following are a few of the "ingredients" used by your company to calculate rates.

Mature drivers pay less - Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teen drivers are known to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.
Traffic violations increase rates - Just one moving violation can bump up the cost twenty percent or more. Drivers who don't get tickets get better rates compared to drivers with tickets. Drivers who have flagrant citations like DUI or reckless driving may need to file a SR-22 with their state DMV in order to keep their license.
Having a spouse can save you money - Having a spouse can get you a discount on auto insurance. It translates into being more mature than a single person and statistics show married couples file fewer claims.
Drive a safer car and pay less - Cars with high safety ratings get lower rates. These vehicles protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you.

But I don't know anything about car insurance

When choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else's and your policy should reflect that. These are some specific questions may help highlight if your situation could use an agent's help.

Should I file a claim if it's only slightly more than my deductible?
Do I need to file an SR-22 for a DUI in Wisconsin?
Does my personal policy cover me when driving my company car?
Is my dog or cat covered if injured in an accident?
Is my nanny covered when driving my vehicle?
When do I need to add a new car to my policy?

If you can't answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance ads bend the truth

Wisconsin consumers can't get away from ads for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you'll save big after switching your coverage to them.

How do they all make almost identical claims? It's all in the numbers.

All companies have a certain "appetite" for the type of customer that is profitable for them. For example, a desirable insured could possibly be over the age of 40, a clean driving record, and has great credit. A driver that hits that "sweet spot" will get the preferred rates and most likely will cut their rates substantially.

Drivers who fall outside the "perfect" profile will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ads state "customers who switch" not "people who quote" save that much money. That is how companies can advertise the savings.

Because of the profiling, drivers must get quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

In the end, you save

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are many occasions where someone dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at the best price.

In this article, we presented a lot of ways to compare auto insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a small mutual company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like .

Budget-conscious auto insurance can be sourced online as well as from independent agents in St Germain, and you need to comparison shop both to have the best selection. There are still a few companies who don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Much more information about auto insurance in Wisconsin can be found on the website for the Wisconsin Office of the Commissioner of Insurance found here. Wisconsin consumers can read enforcement actions against agents and companies, file complaints about a company, get help finding coverage, and find disaster information.