10 Discounts Dale Drivers Forget when Comparing Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out. You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

It's important to shop coverage around at least once a year since rates are constantly changing. If you had the lowest price a year ago you may be paying too much now. Forget all the misinformation about car insurance because we're going to demonstrate one of the easiest ways to find great coverage at a great price.

Quick Dale Car Insurance Quotes

Most major insurance companies like Allstate and Progressive allow you to get coverage price quotes on the web. Getting quotes is fairly simple as you simply enter the coverage amounts you desire as detailed in the form. Behind the scenes, the system will obtain your driving record and credit report and returns pricing information based on these and other factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit each company's website and repetitively fill out multiple forms is monotonous and tiresome. But it's very important to have as many quotes as possible in order to find better car insurance pricing.

A less time-consuming method to find better car insurance pricing is to use a quote form to return rates from many companies. The form is fast, requires less work, and makes rate comparisons much more efficient. After your information is entered, it is rated and you are able to buy any one of the returned quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it's recommended you complete the form with the limits and deductibles exactly as shown on your declarations page. This way, you will have comparison quotes based on similar coverages.

These ten discounts can lower your rates

Companies don't always publicize every available discount very clearly, so we researched both the well known and the more hidden car insurance savings. If you're not getting every credit possible, you're just leaving money on the table.

Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Low Mileage - Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you could save up to 5%.
Resident Student - Children who are attending college without a vehicle on campus can be insured at a reduced rate.
Discount for Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
Defensive Driving Course - Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
Multi-policy Discount - When you have multiple policies with one insurance company you may save approximately 10% to 15%.
Federal Government Employee - Simply working for the federal government may qualify you for a discount with certain companies.
Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
Homeowners Discount - Being a homeowner may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.

It's important to note that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, you're out of luck.

For a list of providers with the best car insurance discounts in Wisconsin, follow this link.

Additional detailed information is located at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to read consumer alerts, find disaster information, view a list of available companies, and read enforcement actions against agents and companies.

Best coverage at the best price

While you're price shopping online, it's very important that you do not reduce needed coverages to save money. Too many times, an insured dropped liability coverage limits only to discover later they didn't purchase enough coverage. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Lower-priced car insurance is possible both online as well as from independent agents in Dale, and you need to comparison shop both to get a complete price analysis. Some companies don't offer online quoting and many times these small, regional companies only sell through independent insurance agents.