Top Ways to Save on Crivitz Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you you are not the only one feeling buyer's remorse.

Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to compare prices every six months because rates are constantly changing. Even if you got the lowest price a few years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because we're going to demonstrate the only way to reduce your cost while improving coverage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with big savings.

Listed below are a partial list of the pieces car insurance companies consider when setting rates.

Proper usage rating affects rates - The more miles you rack up on your car in a year the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and windstorm damage. Your deductibles are how much you are willing to pay if you file a covered claim. The more you are required to pay out-of-pocket, the less your car insurance will be.
Discounts for multiple policies - Most companies will give a discount to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount you still need to comparison shop to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
Teen drivers pay high rates - Young drivers in Wisconsin are statistically proven to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations.
How's your driving record? - Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than bad drivers. Just one moving violation can boost insurance rates forty percent or more. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to continue driving.
Marriage brings a discount - Having a wife or husband can actually save you money when buying car insurance. It means you're more responsible and it's proven that being married results in fewer claims.

How to Compare Car Insurance Quotes in Crivitz, Wisconsin

There are several ways to compare quotes from car insurance companies in your area. One of the best ways to find competitive insurance rates is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method prevents you from having to do repetitive form entry to each individual car insurance company. Filling out one form compares rates direct from many companies.
Another way to get quotes online is going to the website for each individual company to complete their respective quote request forms. For sake of this example, let's assume you want to compare rates from , and . To find out each rate you need to spend time on each company's site and enter your information, which is why the first method is more popular. To view a list of companies in Crivitz, click here.

Which method you use is up to you, but ensure you are comparing identical coverage limits and deductibles on every quote you get. If each company quotes different liability limits it's impossible to determine which rate is truly the best in Crivitz. Just a small difference in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate the best rates.

Save big with these discounts

The price of auto insurance can be rather high, but you can get discounts that many people don't even know exist. Certain discounts will be applied when you quote, but less common discounts must be manually applied before you get the savings.

Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Multi-car Discount - Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
New Car Discount - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
Discount for Good Grades - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
Sign Online - A handful of insurance companies will give a small break for buying your policy over the internet.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will bring down your overall premium however.

To choose companies offering car insurance discounts in Wisconsin, follow this link.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to say the same thing about savings if you switch to their company. How does each company make the same claim?

All the different companies are able to cherry pick for the driver that makes them money. For instance, a desirable insured could be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer who fits that profile will qualify for the lowest rates and most likely will save when switching.

Drivers who fall outside these standards will have to pay a higher premium which usually ends up with business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that much. That's the way companies can truthfully make the claims of big savings.

Because of the profiling, you need to get quotes from several different companies. Because you never know which car insurance company will fit your personal profile best.

Additional information is located on the website for the Wisconsin Office of the Commissioner of Insurance located here. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.

Do the work, save more money

As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. In many instances, someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at a price you can afford.

Cheaper car insurance can be found from both online companies and also from your neighborhood Crivitz agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

We just showed you a lot of information how to compare car insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like .