Tightwads Instructions on Saving on Wayne Auto Insurance

Expensive auto insurance can dwindle your bank account and force you to prioritize other expenses. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances.

Lots of contend for your business, and because of this it can be hard to compare and get the best coverage at the lowest rate

It's important to get comparison quotes yearly because prices are constantly changing. If you had the lowest rates two years ago there may be better deals available now. So ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to save on auto insurance.

Take advantage of discounts

Insuring your vehicles can cost a lot, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Accident Waiver - A few companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
  • Discount for New Cars - Insuring a new car can save up to 30% since new cars are generally safer.
  • No Claims - Drivers who don't have accidents can save substantially as compared to frequent claim filers.
  • Drive Less and Save - Keeping the miles down can earn discounted rates on garaged vehicles.
  • Club Memberships - Participating in certain professional organizations is a good way to get lower rates on auto insurance.

It's important to note that most discount credits are not given to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, you're out of luck. But any discount will cut your overall premium however.

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

Where Can I Get Cheap Wayne Auto Insurance?

There are several ways of comparing price quotes from local Wayne auto insurance companies. The recommended way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

One of the best ways consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating multiple quote forms for every auto insurance company. A single, simple form gets you coverage quotes from multiple low-cost companies.

A more difficult way to compare rate quotes consists of going to each individual company website to complete a price quote. For example, let's say you want comparison quotes from , and . To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in Wayne, click here.

The least recommended way of comparing rate quotes is to drive around to local Wayne insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the professional advice of a local Wayne agent. However, consumers can compare online quotes and still use a local agent. We'll cover that shortly.

It's up to you which method you use, but make sure you use the exact same coverages with each company. If you compare different limits and deductibles on each one it's impossible to make an equal comparison in Wayne. Quoting even small variations in limits could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons will increase your chances of finding lower pricing.

How to know if you need help

When it comes to choosing adequate coverage for your personal vehicles, there is no cookie cutter policy. Everyone's situation is a little different so your insurance should reflect that These are some specific questions can help discover whether your personal situation may require specific advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I still get insurance after a DUI?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my nanny covered when driving my vehicle?
  • Do I qualify for additional discounts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my personal policy cover me when driving my company car?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

Final considerations

Lower-priced auto insurance is definitely available online in addition to many Wayne insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at a price you can afford.