Top Ways to Save on Chetek Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out. With consumers having so many online and local companies to choose from, it is hard for the average consumer to locate the cheapest car insurance company.

It's important to get comparison quotes at least once a year because rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago a different company probably has better rates today. You can find a lot of misleading information regarding car insurance online, so I'm going to show you some great ways to find cheap car insurance.

Choosing the best insurance company for you in Chetek is not that difficult. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Wisconsin consumers only need to know the most efficient way to find the lowest price over the internet.

Don't pay full price with these discounts

Companies don't list all their discounts very well, so we researched some of the more common and the more hidden savings tricks you should be using. If you don't get every credit possible, you are throwing money away.

Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.
Driver Safety - Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
College Student - Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Federal Government Employee - Active or retired federal employment may qualify you for a discount with select insurance companies.
Homeowners Discount - Owning a house in Chetek can help you save on car insurance due to the fact that maintaining a home shows financial diligence.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, 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 your car insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with big savings.

The following are a partial list of the pieces that factor into rates.

More miles equals more premium - Driving more miles in a year the more you will pay for car insurance. The majority of insurers rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
Do you need those extra coverages? - There are a ton of extra coverages that you can buy on your policy. Things like personal injury protection, towing coverage and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.
Older drivers pay less - Young drivers in Wisconsin are known to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
Clean credit earns discounts - Credit history is a large factor in calculating your car insurance rates. Therefore, if your credit rating is not that good, you could potentially save money when insuring your by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores.
More claims means more premium - If you file claims often, you can pretty much guarantee higher rates. Car insurance companies in Wisconsin award discounts to insureds who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the large, substantial claims.
Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, vandalism, and burglary. Deductibles for physical damage are how much you are required to spend in the event of a claim. The more the insured has to pay upfront, the less your car insurance will be.
Your car insurance rates can be influenced by your job - Did you know your job can affect your rates? Jobs such as judges, business owners and stock brokers are shown to have the highest rates attributed to high stress levels and lots of time spent at work. On the other hand, jobs such as actors, students and performers pay the least.

The car insurance bait and switch

Consumers get pounded daily by advertisements that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to make an identical promise about savings after switching your policy.

But how can every company make the same claim?

All the different companies are able to cherry pick for the right customer that earns them a profit. For instance, a desirable insured could be between the ages of 30 and 50, has no tickets, and has a short commute. A customer who meets those qualifications will get the preferred rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile will have to pay more money and ends up with business going elsewhere. The ads state "people who switch" not "everyone that quotes" save that kind of money. That's the way companies can truthfully make the claims of big savings. Because of the profiling, drivers should get a wide range of price quotes. Because you never know which car insurance company will fit your personal profile best.

Find out more about car insurance

Even more information is located at the Wisconsin Office of the Commissioner of Insurance website. Consumers can file complaints about an insurance agent or broker, discover disciplinary actions, read enforcement actions against agents and companies, and find out industry alerts.

Also read more on Auto Insurance 101 and this page where you can research Chetek insurance agents.

And the best car insurance company is...

As you shop your coverage around, do not skimp on coverage in order to save money. In many instances, an insured dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at an affordable rate.

The cheapest car insurance can be bought from both online companies in addition to many Chetek insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just showed you many tips how you can reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from a company that doesn't do a lot of advertising. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .