Find Low-Cost Bloomington Auto Insurance

Are you overwhelmed by the dozens of auto insurance options in Bloomington? Lot's of other consumers are too. Drivers have so many choices that it can turn into a real challenge to find better rates.

Finding affordable coverage in Bloomington is easy if you know what you're doing. In a nutshell, every driver who is required by state law to have auto insurance will be able to lower their premiums. But Wisconsin vehicle owners do need to know how big insurance companies determine prices because it can help you find the best coverage.

Be sure to get all your discounts

Companies that sell car insurance don't always list every discount very well, so we researched some of the best known and the more hidden discounts you could be receiving.

  • Claim Free - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
  • Low Mileage Discounts - Keeping the miles down could be rewarded with a substantially lower rate.
  • Lower Rates for Military - Being deployed with a military unit can result in better rates.
  • Multiple Policy Discount - When you have multiple policies with one company you may save up to 20% off your total premium.
  • No Charge for an Accident - Some insurance companies permit an accident without raising rates if your claims history is clear prior to the accident.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Club Memberships - Affiliation with a professional or civic organization may earn a discount when shopping for auto insurance.
  • Paperwork-free - Certain companies give back up to $50 for buying a policy and signing up online.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.

Consumers should know that some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.

For a list of insurance companies with the best auto insurance discounts in Wisconsin, click here.

How to Compare Bloomington Auto Insurance Costs

Shopping for lower auto insurance rates can be exhausting if you don't know the easiest way. You can waste hours discussing policy coverages with local insurance agents in Bloomington, or you can utilize the web to get the quickest rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company returns a competitive quote for coverage. This prevents consumers from doing quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The single downside to getting quotes like this is that consumers can't choose the companies to get quotes from. So if you want to select specific providers to request quotes from, we have a page of low cost auto insurance companies in Wisconsin. View list of Wisconsin insurance companies.

However you get your quotes, compare apples-to-apples deductibles and coverage limits for each comparison quote. If you use different values for each quote it will be impossible to determine the lowest rate in Bloomington. Slightly different insurance coverages may result in large price differences. Just keep in mind that comparing more company's prices provides better odds of finding better pricing.

Final considerations

Drivers who switch companies do it for many reasons like high rates after DUI convictions, delays in responding to claim requests, unfair underwriting practices and policy non-renewal. Regardless of your reason, finding the right auto insurance provider is not as hard as you think.

Discount auto insurance is possible on the web as well as from independent agents in Bloomington, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don't offer online quoting and these small, regional companies work with independent agents.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.