Top Ways to Save on Blair Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you are not the only one feeling buyer's remorse.

Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to compare prices every six months because prices are constantly changing. If you had the lowest price last year there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance on the web, but I'm going to show you some great ways to reduce your auto insurance bill.

This information will help educate you on the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Nevertheless, Wisconsin consumers do need to know the way companies market on the web because it can help you find the best coverage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates enables informed choices that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces auto insurance companies consider when setting rates.

Teen drivers pay high rates - Youthful drivers in Wisconsin tend to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Protect your assets with liability insurance - The liability section of your policy provides coverage if ever you are found liable for causing damage or personal injury in an accident. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Rates may be higher depending on your occupation - Jobs such as judges, architects and financial analysts tend to have higher average rates because of job stress and long work days. Conversely, occupations like actors, engineers and the unemployed receive lower rates.
Marriage brings a discount - Having a wife or husband actually saves money when buying auto insurance. It means you're more mature and responsible and it's proven that being married results in fewer claims.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be a windshield shattered by a rock, damage from fire, or theft. Your deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Add-on coverages can add up - There are a lot of extra coverages that you can buy when buying auto insurance. Coverages for vanishing deductibles, towing coverage and term life insurance are examples of these. They may seem good when you first buy your policy, but if they're wasting money eliminate them to save money.

How to Compare Auto Insurance Quotes in Blair, Wisconsin

There are several ways to compare auto insurance prices but there is one way that is easier and takes less work. You can spend your afternoon discussing policy coverages with insurance companies in Blair, or you could save time and use the web to quickly compare rates.

Most of the larger companies enroll in a system that allows shoppers to send in one quote, and each company then gives them pricing for coverage. This eliminates the need for quotation requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The single downside to comparing rates this way is you can't choose which providers to receive prices from. If you prefer to choose from a list of companies to compare prices, we have a listing of auto insurance companies in Wisconsin. View list of Wisconsin insurance companies.

Which method you use is up to you, but ensure you are comparing identical coverages on every quote you get. If you use different limits and deductibles on each one it's impossible to determine which rate is truly the best in Blair. Just a small difference in coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate lower pricing.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but a few must be asked for prior to getting the savings.

Senior Citizens - If you're over the age of 55, you can possibly qualify for better auto insurance rates.
Organization Discounts - Being a member of a qualifying organization could qualify you for a break on auto insurance.
Federal Government Employee - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
College Student - Children who are attending college without a vehicle on campus can receive lower rates.
Sign Online - A few companies may give you up to $50 simply for signing over the internet.
Homeowners Discount - Owning a house in Blair may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
No Accidents - Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.

Consumers should know that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

To choose companies with the best auto insurance discounts in Wisconsin, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to say the same thing of big savings if you move to their company. How does each company claim to save you money?

Insurance companies are able to cherry pick for the driver that makes them money. For instance, a desirable insured might be between the ages of 30 and 50, has no driving citations, and has great credit. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently advertise the savings.

Because of the profiling, you need to compare many company's rates. It's impossible to know which auto insurance company will give you the biggest savings.

Additional auto insurance information is located on the website for the Wisconsin Office of the Commissioner of Insurance located here. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, read industry bulletins, and get help finding coverage.

Shop smart and save

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage and learned later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford.

Cost effective auto insurance is definitely available both online and also from your neighborhood Blair agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.