Easy Ways to Spend Less on Belgium Car Insurance

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of car insurance companies offering insurance in Belgium.

It's important to compare rates periodically due to the fact that insurance rates are constantly changing. If you had the best deal a few years ago you may be paying too much now. So forget anything you know (or think you know) about car insurance because I'm going to teach you the only way to properly buy coverages and cut your premium.

If you are insured now or need new coverage, you can use these techniques to find better prices while maintaining coverages. Buying the cheapest car insurance coverage in Belgium is simple if you know the tricks. Wisconsin vehicle owners just need to know the proper methods to shop their coverage around online.

Belgium Car Insurance Comparisons

Most major insurance companies such as GEICO, State Farm and Progressive give prices on their websites. Obtaining pricing is quite easy as you just type in your personal and coverage information into the quote form. Behind the scenes, the system will obtain credit information and your driving record and generates pricing information.

Online price quotes simplifies rate comparisons, but the time it takes to visit multiple sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to do this in order to get a lower rate.

The easy way to compare rates

A less time-consuming method to compare rates makes use of a single form that obtains quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. After sending the form, your coverage is rated and you are able to buy any of the returned quotes. If you find a better price you simply finish the application and purchase coverage. This process takes just a few minutes to complete and may result in a nice savings.

In order to find out how much you're overpaying now, click here and fill out the form. If you have a policy now, it's recommended you type in coverages and limits identical to your current policy. This way, you're receiving a rate comparison based on similar coverages.

You have some control over your rates

It's important that you understand some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

Your location is important - Living in small towns and rural areas can be a good thing when talking about car insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers have much more traffic to deal with and much longer commute distances. More time commuting translates into higher accident risk.
How credit affects car insurance rates - Credit rating is a big factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit. Therefore, if your credit score can use some improvement, you could be paying less to insure your by repairing your credit.
Rates may be higher depending on your occupation - Jobs such as doctors, architects and accountants tend to have higher rates than average due to stressful work requirements and long work days. On the flip side, jobs such as scientists, athletes and the unemployed receive lower rates.
Don't get talked into coverage you don't need - There are a lot of additional coverages that you can buy when buying car insurance. Coverages like personal injury protection, towing coverage and term life insurance are examples of these. They may seem like a good idea initially, but if they're wasting money get rid of them and save.

More discounts equal less premium

Companies that sell car insurance don't always advertise all their discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known car insurance savings. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

Bundle and Save - When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
Passive Restraints - Factory air bags or motorized seat belts can get savings of more than 20%.
No Accidents - Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
Defensive Driving Course - Successfully completing a defensive driving course can save you 5% or more depending on where you live.
College Student - Children who live away from home without a vehicle on campus may be able to be covered for less.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
Sign Early and Save - Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, companies don't profit that way.

For a list of companies with the best car insurance discounts in Belgium, follow this link.

It's not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that may help highlight if you might need professional guidance.

What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Are there companies who specialize in insuring high-risk drivers?
Should I rate my vehicle as pleasure use or commute?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and you can get the answers you need.

More detailed Wisconsin car insurance information is available at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to view agent and company licensing information, find out industry alerts, and read industry bulletins.

Best coverage at the best price

As you shop your coverage around, you should never reduce needed coverages to save money. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at the best price.

We just presented many ways to lower your car insurance rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the best prices are with some of the smallest insurance companies.

Consumers who switch companies do it for a variety of reasons including policy non-renewal, poor customer service, high rates after DUI convictions and delays in responding to claim requests. It doesn't matter why you want to switch finding a new car insurance company is not as hard as you think.