How to Find the Cheapest Burlington Auto Insurance

Finding better rates for Burlington auto insurance is challenging for beginners to buying insurance online. People have so many options available that it can easily become a big hassle to compare prices in Burlington.

It's important to compare rates once or twice a year since insurance rates are constantly changing. Even if you think you had the best rates a year ago the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance on the web, but I'm going to show you some great ways to save money.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Locating affordable auto insurance in Burlington can be fairly easy. But Wisconsin vehicle owners do need to know how insurance companies market insurance on the web.

More discounts equal less premium

Companies don't list all their discounts in a way that's easy to find, so the following is a list of some of the best known and also the lesser-known auto insurance savings.

Homeowners Pay Less - Owning a house in Burlington may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
Drivers Ed for Students - Have your child complete a driver education course if offered at their school.
Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
No Accidents - Claim-free drivers pay less as compared to bad drivers.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you may reduce your total bill.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out life insurance from them.
One Accident Forgiven - A handful of insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Anti-theft System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Bundle and Save - When you combine your home and auto insurance with the same insurance company you will save 10% to 20% off each policy.
Passive Restraints - Factory air bags can qualify for discounts of more than 20%.

Drivers should understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies wouldn't make money that way.

To see a list of companies with discount auto insurance rates in Burlington, follow this link.

Fast and Easy Burlington Auto Insurance Quotes

Most companies give prices directly from their websites. Getting online quotes is quite easy as you just type in the amount of coverage you want into the quote form. Once you submit the form, their system will obtain information on your driving record and credit history and returns a price based on these and other factors.

Online quotes simplifies rate comparisons, but having to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

The easy way to compare rates

The preferred way to find cheaper rates requires only one form that gets price quotes from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes comparison shopping a little more enjoyable. After your information is entered, your coverage is rated with multiple companies and you can pick your choice of the price quotes you receive. If you find a better price it's easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out how much you're overpaying now, click here and submit the form. If you have your current policy handy, we recommend that you enter the limits and deductibles just like they are on your policy. This makes sure you are getting a price comparison based on the exact same insurance coverage.

You have some control over your rates

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

Your spouse saves you money - Getting married helps lower the price when buying auto insurance. It means you're more mature than a single person and statistics show drivers who are married are more cautious.
Save money with special equipment - Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
Safer cars are cheaper to insure - Safer cars are cheaper to insure. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Your stress level may be raising your rates - Jobs such as real estate brokers, architects and dentists tend to have the highest average rates due to stressful work requirements and long work hours. Other jobs such as farmers, historians and retirees receive lower rates.
Please use or commuting - The higher the mileage driven every year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Vehicles that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle.
How many coverages with the same company - Some companies will give a discount to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it's still a good idea to compare rates to ensure the best deal. Drivers may still find better rates by buying insurance from more than one company.
Men are more aggressive - The statistics show women are more cautious behind the wheel. Now that doesn't mean men are worse drivers. Men and women cause accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.

Switch companies and save? Really?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run ads in print and on television. They all seem to say the same thing that you'll save big if you change to their company. How can each company say the same thing? It's all in the numbers.

Different companies can use profiling for the driver that is profitable for them. A good example of a desirable insured might be profiled as over the age of 50, has no tickets, and has excellent credit. A propective insured who fits that profile will get very good rates and therefore will save when they switch companies.

Potential insureds who do not match the requirements will have to pay more money which usually ends up with business not being written. The ads say "customers who switch" not "everyone that quotes" save that much. That's why companies can make those claims. Because of the profiling, drivers must compare many company's rates. It's not possible to predict the company that will have the lowest rates.

Final considerations

Budget-conscious auto insurance is attainable on the web and also from your neighborhood Burlington agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Consumers leave their current company for a variety of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, delays in responding to claim requests or high rates after DUI convictions. It doesn't matter why you want to switch finding a new auto insurance company is actually quite simple.

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. In many cases, an insured dropped collision coverage and discovered at claim time they didn't purchase enough coverage. Your aim should be to find the BEST coverage at the best price.

More detailed Wisconsin auto insurance information can be read at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin drivers can get help finding coverage, view a list of available companies, and find disaster information.