5 Shopping Tips Shown to Lower Car Insurance Costs in Adams

Consumers who are new to the process of buying insurance online may find finding the cheapest Adams car insurance quite difficult.

Vehicle Insurance Comparison

Most companies like Allstate, GEICO and Progressive allow you to get coverage prices on their websites. Getting quotes is pretty painless as you just enter your personal and coverage information into the quote form. When the form is submitted, their rating system will obtain your credit score and driving record and returns pricing information based on many factors.

This helps simplify price comparisons, but the time it takes to visit several different sites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

There is a better way!

A quicker way to compare rates is to use a quote form to get prices from more than one company. It's a real time-saver, reduces the work, and makes comparison shopping much more efficient. As soon as the form is sent, it is rated and you are able to buy any one of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

To find out how much you're overpaying now, click here and input your coverage information. If you have your current policy handy, we recommend you type in the coverages exactly as shown on your declarations page. This ensures you are getting comparison quotes for similar insurance coverage.

More discounts equal less premium

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but some may not be applied and must be specially asked for before being credited.

  • Homeowners Savings - Owning a home in Adams can save you money because of the fact that having a home demonstrates responsibility.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
  • Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.

It's important to note that some credits don't apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, you're out of luck. But any discount will bring down your premiums.

To see a list of insurers with the best car insurance discounts in Wisconsin, click here.

It's not one size fits all

When choosing coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is unique.

Here are some questions about coverages that may help highlight if you may require specific advice.

  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Wisconsin?
  • Should I buy additional glass protection?

If you can't answer these questions but a few of them apply, 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 Wisconsin consumer information

More information can be read on the Wisconsin Office of the Commissioner of Insurance website. Click here for link. Consumers can report car insurance fraud, find out industry alerts, and download brochures.

Additional helpful sites include this page for Wisconsin car insurance and this page for help finding agents in Adams, WI.