6 Tips to Save on Car Insurance in Brookfield

Saving money on Brookfield car insurance is a challenge for consumers new to comparing rates online. People have so many companies to choose from that it can turn into more work than you anticipated to compare prices in Brookfield.

It's important to compare rates once or twice a year since rates are constantly changing. Despite the fact that you may have had the best rates a year ago you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

Save big with these six discounts

Car insurance is not cheap, but there could be available discounts to cut the cost considerably. Most are applied when you quote, but some may not be applied and must be specifically requested before you get the savings.

Anti-theft System - Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will cut your overall premium however.

Car insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads have a common claim about savings after switching to their company. How do they all make the same claim?

Different companies can use profiling for the driver that earns them a profit. A good example of a preferred risk could be over the age of 40, has no tickets, and has excellent credit. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will cut their rates substantially.

Drivers who fall outside the "perfect" profile will be charged a higher premium and this can result in business going elsewhere. The ads state "people who switch" not "people who quote" save that much. That's why companies can truthfully make those claims.

That is why you should get as many comparisons as possible. It's just too difficult to predict the company that will have the lowest rates.

Additional information can be read on the New York Department of Financial Services website through this link. Consumers can read consumer alerts, view a list of available companies, and read enforcement actions against agents and companies.

Final considerations

While you're price shopping online, never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped full coverage and found out when filing a claim they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Drivers change insurance companies for many reasons like policy non-renewal, unfair underwriting practices, not issuing a premium refund and even lack of trust in their agent. Whatever your reason, finding the right car insurance provider is less work than it seems.

Cheaper car insurance can be bought from both online companies and also from your neighborhood Brookfield agents, and you need to comparison shop both to have the best selection. Some companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.