Proven Ways to Save on Wonewoc Auto Insurance

Having to pay for overpriced auto insurance can overdraw your checking account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to help make ends meet.

Consumers have many to buy insurance from, and even though it's nice to be able to choose, it can be more difficult to compare rates.

It's important to compare rates yearly because insurance rates are constantly changing. Despite the fact that you may have had the lowest price on your last policy you can probably find a better price now. Ignore everything you know about auto insurance because we're going to demonstrate one of the best ways to get good coverage at a lower rate.

Buying car insurance in Wonewoc is quite easy. If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Nevertheless, Wisconsin drivers do need to know the way insurance companies compete online because it can help you find the best coverage.

You have some control over your rates

Consumers need to have an understanding of the rating factors that help determine the price you pay for auto insurance. Knowing what determines base rates enables informed choices that can help you get big savings.

The following are a partial list of the pieces auto insurance companies consider when setting your rates.

Traffic violations increase rates - Even a single citation can boost insurance rates forty percent or more. Careful drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to keep their license.
More people means more accidents - Residing in less populated areas has it's advantages when insuring your vehicles. Drivers in populated areas regularly have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
With age comes lower rates - Teen drivers in Wisconsin are known to be less responsible when driving so they pay higher auto insurance rates. Parents adding a teen driver to your auto insurance policy can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and receive fewer citations.
Men pay higher rates - Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. They both tend to get into accidents in similar numbers, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.
Extra coverages can waste money - There are a ton of add-on coverages you can purchase on your auto insurance policy. Coverages for roadside assistance, better glass coverage and term life insurance may be wasting your money. They may seem good when you first buy your policy, but if they're wasting money eliminate them to save money.

Save big with these discounts

Companies offering auto insurance don't list every available discount very clearly, so we researched both well-publicized as well as the least known ways to save on auto insurance.

Good Student Discount - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Auto/Life Discount - Larger companies have a discount if you purchase auto and life insurance together.
Resident Student - Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
Save over 55 - If you're over the age of 55, you may be able to get better auto insurance rates.
Driver Safety - Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
Discount for New Cars - Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
Payment Method - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.

It's important to understand that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way.

To choose providers who offer auto insurance discounts in Wisconsin, click this link.

Auto insurance ads bend the truth

Companies like State Farm and Allstate continually stream ads on TV and radio. All the ads make the same claim of big savings after switching to their company. How does each company make almost identical claims?

All the different companies have a preferred profile for the driver that makes them money. For instance, a preferred risk could possibly be a mature driver, has no prior claims, and has great credit. A driver who matches those parameters is entitled to the best price and most likely will save when switching.

Drivers who fall outside these standards will be charged higher premiums which leads to the driver buying from a lower-cost company. The ads state "customers that switch" not "people who quote" save that much. This is how insurance companies can confidently advertise the savings. That is why you should get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.

But I don't know anything about car insurance

When buying the best auto insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different so this has to be addressed. These are some specific questions can help discover if your situation would benefit from professional advice.

Should I buy only the required Wisconsin minimum liability coverage?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Wonewoc?
Should I buy additional glass protection?
Should I rate my vehicle as pleasure use or commute?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Learn more about auto insurance in Wisconsin

More tips and info about auto insurance is located at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can file complaints about a company, view agent and company licensing information, read enforcement actions against agents and companies, and learn about insurance regulations.

Affordable insurance is out there

In this article, we presented some good ideas how to save on auto insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a small local company. Some small companies can often provide lower rates in certain areas than their larger competitors like .

When you buy insurance online, it's very important that you do not buy poor coverage just to save money. There have been many cases where consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Low-cost auto insurance can be bought online and also from your neighborhood Wonewoc agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.