How to Find Cheap Cascade Auto Insurance

Finding affordable Cascade auto insurance is nearly impossible for consumers new to comparison shopping online. You have so many options that it can easily become a challenge to locate the lowest price in Cascade.

Are you getting all your discounts?

Companies that sell car insurance don't necessarily list all available discounts very clearly, so here is a list both well-publicized and the more hidden savings tricks you should be using. If you're not getting every credit available, you are throwing money away.

Clubs and Organizations - Participating in a qualifying organization is a good way to get lower rates when buying auto insurance.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
Student in College - Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
Paperless Signup - Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% depending on your company.
Auto/Home Discount - If you have multiple policies with one insurance company you will save 10% to 20% off each policy.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, you won't be that lucky.

Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that help determine the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

The following are some of the factors that factor into premiums.

Liability coverage is cheap - Liability coverage will protect you if a court rules you are at fault for damages caused by your negligence. Liability provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Car features impact rates - Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
Older drivers pay less - Teen drivers in Wisconsin are known to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets.
Pay less if you're married - Being married can get you a discount on your policy. Having a spouse usually means you are more responsible and it's statistically proven that drivers who are married are more cautious.
Small claims can cost you - Auto insurance companies in Wisconsin award lower rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Car insurance is designed for major claims that would cause financial hardship.
Consolidate policies to earn discounts - Many insurers will award you with lower prices to customers who consolidate policies with them in the form of a multi-policy discount. Even if you're getting this discount you may still want to compare other company rates to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.
Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Occupations such as doctors, business owners and financial analysts are shown to have higher average rates attributed to high stress levels and long work hours. Conversely, occupations such as farmers, engineers and performers pay the least.

How can Allstate, GEICO and Progressive save drivers who switch?

Wisconsin consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. All the companies make an identical promise about savings after switching your policy.

How does each company make almost identical claims?

Different companies can use profiling for the right customer that earns them a profit. An example of a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will get very good rates and as a result will probably save when switching.

Consumers who are not a match for these standards must pay higher rates and ends up with the driver buying from a lower-cost company. The ads say "people who switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully advertise the way they do. This illustrates why drivers should get quotes from several different companies. It's impossible to know the company that will provide you with the cheapest rates.

Even more information is available at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can find out which companies have the most complaints, view a list of available companies, and read enforcement actions against agents and companies.

And the best car insurance company is...

Cheaper auto insurance can be bought online in addition to many Cascade insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

People change insurance companies for many reasons like questionable increases in premium, unfair underwriting practices, not issuing a premium refund and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.

When shopping online for auto insurance, never skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.