Easy Tips to Save Money on Chippewa Falls Auto Insurance

Are you intimidated by the crazy number of auto insurance company choices in Chippewa Falls? Lot's of other consumers are too. You have so many options available that it can turn into more work than you anticipated to find better rates.

It's important to price shop coverage every six months because prices are constantly changing. Just because you found the best price a couple years back you may be paying too much now. Forget all the misinformation about auto insurance because you're about to learn how to use online quotes to find better coverage at a better price.

Compare Quotes for Chippewa Falls Auto Insurance

Most major insurance companies allow you to get coverage price quotes directly from their websites. This process doesn't take a lot of time as you simply enter the coverages you want as detailed in the form. Behind the scenes, the company's rating system will obtain reports for credit and driving violations and generates pricing information.

This makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same information is repetitive and time-consuming. But it's very important to do this in order to find the best price on auto insurance.

A less time-consuming method to lower your rates uses one form that analyzes rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. Immediately after you send the form, it is rated and you can select any or none of the returned quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and enter your information. If you currently have coverage, we recommend you duplicate the coverages exactly as shown on your declarations page. This way, you will receive rate quotes based on similar coverages.

Wisconsin auto insurance

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the factors that help determine the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get better auto insurance rates.

The following are a few of the "ingredients" that factor into your rates.

  • Careful drivers pay lower rates - Your driving record has a big impact on rates. Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to keep their license.
  • Liability insurance protects assets - Liability coverage provides coverage in the event that a court rules you are at fault for damages caused by your negligence. Liability provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Men and women are in accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
  • You might want pay the small claims yourself - Insurance companies in Wisconsin generally give discounts to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Car insurance is designed for the large, substantial claims.
  • What type of vehicle do you drive? - The performance level of the vehicle you drive makes a substantial difference in how high your rates are. The most favorable rates are usually for low performance passenger cars, but other factors influence the final cost greatly.
  • Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and rolling your vehicle. The deductibles are the amount of money you are required to spend in the event of a claim. The higher the amount the insured has to pay upfront, the less your auto insurance will be.

Are you getting all your discounts?

Companies that sell car insurance don't list every available discount very well, so we took the time to find both well-publicized and the more hidden discounts you could be receiving.

  • Discount for Good Grades - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • No Charge for an Accident - Some insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Club Memberships - Participating in a professional or civic organization may earn a discount on your policy.
  • Federal Government Employee - Simply working for the federal government can earn a discount up to 10% with certain companies.

It's important to note that some credits don't apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, you're out of luck.

For a list of providers who offer auto insurance discounts in Wisconsin, click here.

Additional detailed information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can file complaints about a company, find out which companies have the most complaints, and learn about insurance regulations.

Other useful links include NAIC.org's Understanding your Policy and this directory of insurance agents in Chippewa Falls Wisconsin.

Shop smart and save

You just read a lot of ways to lower your auto insurance rates. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from an unexpected company.

Lower-priced auto insurance can be sourced online in addition to many Chippewa Falls insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Drivers change insurance companies for many reasons like poor customer service, lack of trust in their agent, denial of a claim and questionable increases in premium. Regardless of your reason for switching companies, finding the right auto insurance provider is not as hard as you think.