Car Insurance in Almena Wisconsin - 7 Tips to Save Money
Tired of trying to scrape together enough money each month for car insurance? You're in the same situation as many other Wisconsin consumers. With consumers having so many online and local companies to choose from, it's difficult to find the most affordable insurance company.
Don't pay full price with these seven discounts
Companies that sell car insurance don't necessarily list all available discounts very well, so we took the time to find some of the more common and the more hidden car insurance savings. If you don't get every credit available, you are paying more than you should be.
- Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
- Employee of Federal Government - Employees or retirees of the government can save as much as 8% depending on your company.
- Auto/Home Discount - If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
- Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
- Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Driver Safety - Completing a driver safety course could save 5% or more if your company offers it.
- Good Students Pay Less - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
Keep in mind that most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way.
To choose insurers who offer car insurance discounts in Wisconsin, follow this link.
The car insurance bait and switch
Consumers can't ignore all the ads for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. All the companies say the same thing that you can save after switching your coverage to them.
But how can every company make the same claim?
All companies can use profiling for the type of customer that makes them money. For example, a profitable customer could be between 30 and 50, is a homeowner, and has great credit. Any new insured who fits that profile is entitled to the best price and therefore will save a lot of money.
Consumers who don't measure up to this ideal profile must pay higher prices which usually ends up with business going elsewhere. The ads state "people who switch" not "everyone that quotes" save that much money. That's why insurance companies can advertise the savings. This illustrates why you should get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.
Learn more today
Additional detailed information can be found at the Wisconsin Office of the Commissioner of Insurance website. Consumers can find disaster information, download brochures, view agent and company licensing information, and find out industry alerts.
Other informative sites include this page for car insurance prices in Wisconsin and this page of Almena insurance agents.
In the end, you save
Affordable car insurance can be purchased from both online companies as well as from independent agents in Almena, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
As you prepare to switch companies, do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
