Top 6 Ways to Pay Less on Car Insurance in Antigo

Consumers not familiar with buying insurance online might discover purchasing the lowest-priced Antigo car insurance very challenging.

These six discounts can lower your rates

Companies don't always list every discount in an easy-to-find place, so we researched some of the more common as well as the least known ways to save on car insurance.

  • Federal Employees - Simply working for the federal government may qualify you for a discount with a few car insurance companies.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts can get savings up to 30%.
  • Low Mileage Discounts - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Safety Course Discount - Taking part in a driver safety course can save you 5% or more depending on where you live.
  • Braking Control Discount - Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • New Car Discount - Insuring a new car can save up to 30% due to better safety requirements for new cars.

Keep in mind that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.

For a list of insurance companies with discount car insurance rates in Antigo, click this link.

Car Insurance Comparison Rates in Antigo, WI

Most major insurance companies such as Progressive, Allstate and GEICO allow you to get prices on the web. Getting quotes is quite easy as you simply type in your personal and coverage information as detailed in the form. Once entered, their rating system will obtain your driving and credit reports and returns pricing information based on these and other factors.

Online price quotes simplifies rate comparisons, but the time it takes to visit a lot of sites and enter the same data into a form is not the best way to spend an afternoon. But it's very important to have as many quotes as possible in order to find better car insurance pricing.

A more efficient way to compare rates is to use a quote form to obtain quotes from several different companies. The form is fast, eliminates repetitive work, and makes online shopping much more efficient. After sending your information, it is rated with multiple companies and you can pick any of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and fill out the form. If you have coverage now, it's recommended you copy the limits and deductibles as shown on your current policy. This helps ensure you will be getting a fair comparison based on identical coverages.

Different people need different coverages

When it comes to choosing the best car insurance coverage for your vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you would benefit from an agent's advice.

  • Am I covered if I drive in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Shop smart and save

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, poor customer service, delays in responding to claim requests and questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

You just learned many ideas to get a better price on car insurance. It's most important to understand that the more price quotes you have, the better chance you'll have of finding lower rates. Consumers may even find the most savings is with the least-expected company.

Affordable car insurance is attainable from both online companies and also from your neighborhood Antigo agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide online quoting and these small, regional companies work with independent agents.