Tightwads Guide to Saving on Butler Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, there are many people just like you.

Because you have many online and local companies to choose from, it can be impossible to choose the most cost effective insurance company.

How to Compare Car Insurance Quotes in Butler, Wisconsin

Performing a rate comparison can take hours if you don't know the fastest way to get free quotes. You could spend your day talking to insurance agencies in Butler, or you could save time and use the web for quick rates.

All the larger companies are enrolled in a marketplace that enables customers to send in one quote, and each company returns a rated price determined by their information. This eliminates the need for form submissions to each individual car insurance company.

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

The only drawback to getting quotes like this is you are unable to specify which companies you want pricing from. If you prefer to choose specific providers to compare, we put together a list of car insurance companies in Wisconsin. Click here to view list.

Which method you use is up to you, but ensure you are comparing apples-to-apples quote information for every quote you compare. If your comparisons have mixed coverages it's not possible to determine the best price in Butler. Just a small difference in coverages may result in large price differences. Just remember that comparing more company's prices gives you a better chance of getting a better price.

Tips to Get Lower Butler Rates

It's important that you understand some of the elements that play a part in calculating your car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower car insurance prices.

Liability coverage protects you - Your policy's liability coverage provides coverage if you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
Do you know your deductibles? - Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and windstorm damage. The higher the amount you have to pay, the less your car insurance will be.
How's your driving record? - Whether or not you get tickets has a big impact on rates. Drivers who don't get tickets have lower premiums than their less careful counterparts. Just one moving violation can bump up the cost forty percent or more. Drivers with dangerous tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
Safer occupants lowers premiums - Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates.
Do you work long hours in a high stress job? - Occupations such as lawyers, architects and stock brokers have the highest rates because of high stress levels and lengthy work days. On the other hand, jobs such as actors, students and retirees get better rates.
Add-on coverages can add up - There are quite a few extra coverages that you can get tricked into buying on your policy. Things like personal injury protection, accidental death and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so remove them from your policy.

Don't pay full price with these discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

Club Memberships - Belonging to a professional or civic organization could qualify you for a break when buying car insurance.
Homeowners Discount - Owning a home in Butler may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.
Claim Free - Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
Safety Course Discount - Completing a driver safety course could possibly earn you a 5% discount depending on where you live.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will help reduce your premiums.

For a list of insurers with discount car insurance rates in Wisconsin, follow this link.

Additional information can be found on the website for the Wisconsin Office of the Commissioner of Insurance located here. Consumers can find out which companies have the most complaints, report car insurance fraud, file complaints about a company, and find disaster information.

Other useful links include this link for Wisconsin car insurance quotes and this link which helps you find a Butler agent.

Shop smart and save

Cheap car insurance can be sourced from both online companies as well as from independent agents in Butler, and you need to price shop both so you have a total pricing picture. A few companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you a lot of information how to lower your car insurance rates. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with the least-expected company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as .