Best Way to Find the Cheapest Cambria Car Insurance

Searching for the most affordable Cambria car insurance over the internet can be rather challenging for people who are new to buying insurance online. Because there are so many insurers available, how can consumers possibly compare them all to find the best available rates?

Save big with these discounts

Companies don't list every discount in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you aren't receiving every discount you deserve, you are throwing money away.

  • Government Employees - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • New Car Discount - Insuring a new car is cheaper due to better safety requirements for new cars.
  • Seat Belts Save - Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Passive Restraints - Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
  • Sign Early and Save - Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.

It's important to note that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, you're out of luck.

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else's.

These are some specific questions can help discover if your situation could use an agent's help.

  • Do I have coverage for damage caused while driving under the influence?
  • Can I still get insurance after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I drive in a foreign country?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and you can get the answers you need.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for car insurance savings from companies such as Progressive, Allstate and GEICO. They all make an identical promise that you can save if you move your policy.

How can each company make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the right customer that earns them a profit. For example, a driver they prefer could be over the age of 40, has no prior claims, and has great credit. A customer who meets those qualifications will get very good rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be quoted more money and ends up with business going elsewhere. The ads say "customers who switch" not "people who quote" save that kind of money. This is how insurance companies can advertise the savings. This emphasizes why you should compare many company's rates. Because you never know which insurance companies will give you the biggest savings.

Learn more about car insurance in Wisconsin

Additional detailed information can be found at the Wisconsin Office of the Commissioner of Insurance website. Consumers can download brochures, file complaints about an insurance agent or broker, and find a variety of consumer forms.

Wisconsin car insurance quotes

In the end, you save

People who switch companies do it for a variety of reasons including high rates after DUI convictions, delays in paying claims, being labeled a high risk driver and even extreme rates for teen drivers. Whatever your reason, finding a new car insurance company is less work than it seems.

As you prepare to switch companies, it's a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

We just showed you some good ideas how you can reduce car insurance prices online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a small mutual company.