Easy Methods to Pay Less on Clear Lake Auto Insurance

Comparing Clear Lake auto insurance rates online can seem like an uphill battle if you've never compared online quoting. But don't let that discourage you because comparing prices is actually very simple.

It's important to compare prices occasionally since insurance rates are constantly changing. Just because you found the best rates a year ago there may be better deals available now. There is a lot of bad information regarding auto insurance online, so we're going to give you some great ways to stop overpaying for insurance.

Clear Lake auto insurance quote

Take advantage of discounts

Car insurance companies do not advertise every available discount very clearly, so the following is a list of some of the best known as well as the least known discounts you could be receiving. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Multiple Cars - Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Savings - Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Claim Free - Good drivers with no accidents pay less compared to frequent claim filers.
  • Discount for Swiching Early - Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears it's possible to get free car insurance, auto insurance companies aren't that generous.

For a list of providers with discount auto insurance rates in Wisconsin, click here.

Finding Auto Insurance Deals in Clear Lake, WI

Finding a better price on auto insurance isn't really that difficult. Just invest a few minutes to compare quotes from different insurance companies. This can be done in several different ways.

One of the best ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions for every auto insurance company. A single form gets you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A harder way to compare rate quotes requires a trip to the website for each individual company and fill out their own quote form. For example, let's say you want to compare , and . To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular.

To view a list of companies in Clear Lake, click here.

However you get your quotes, make absolute certain that you use identical quote information for each comparison quote. If you compare mixed coverages it's not possible to determine the lowest rate in Clear Lake.

How to know if you need help

When it comes to choosing coverage for your vehicles, there isn't really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I wreck a rental car?
  • Does my policy cover my teen driver if they drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?

If you can't answer these questions, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form. It's fast, free and can help protect your family.

In the end, you save

While you're price shopping online, never sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage and found out when filing a claim they didn't purchase enough coverage. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cheap auto insurance can be sourced on the web as well as from independent agents in Clear Lake, and you need to price shop both in order to have the best price selection to choose from. Some companies don't offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Drivers leave their current company for a number of reasons such as policy cancellation, lack of trust in their agent, high rates after DUI convictions and high prices. No matter why you want to switch, choosing a new insurance company is not as hard as you think.