7 Shopping Tips Proven to Save Money on Car Insurance Costs in Dane

I can't think of anyone who cherishes buying car insurance, particularly when their premiums are through the roof.

Lots of contend for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest price

It's important to do rate comparisons periodically since rates are constantly changing. If you had the lowest rates a few years ago you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to remove unneeded coverages and save money.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Finding affordable coverage in Dane is quite easy. Nevertheless, Wisconsin consumers do need to know the way companies market on the web and use this information to your advantage.

Dane car insurance quote

How to Get Dane Car Insurance Comparison Quotes

The are a couple different ways to get quotes from different Dane insurance companies. The best method to compare insurance prices is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  • The recommended way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This method prevents you from having to do separate quotes to each individual car insurance company. Just one form gets you coverage quotes instantly.
  • A more time consuming way to shop for car insurance online consists of 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 , and . To find out each rate you need to spend time on each company's site to enter your coverage information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Dane, click here.
  • The least efficient method of comparing rate quotes is to waste gas driving to insurance agents' offices. The internet has reduced the need for local agents unless you have a need for the professional guidance only provided by licensed Dane agents. You can, however, get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just be sure to compare the exact same coverages on every quote you get. If each company quotes different limits and deductibles on each one it will be very difficult to determine which rate is truly the best in Dane. Just a small difference in coverage limits can mean a large discrepancy in price. Keep in mind that more quotes will enable you to find lower pricing.

Policy discounts you shouldn't miss

Auto insurance companies do not list every available discount in an easy-to-find place, so we break down both the well known and the harder-to-find car insurance savings.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Accident Free - Good drivers with no accidents can save substantially compared to bad drivers.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
  • Theft Prevention System - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you can actually save on your bill.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don't profit that way.

To see a list of providers with the best car insurance discounts in Dane, follow this link.

Insurance agents can help

When choosing adequate coverage for your vehicles, there is no "best" method to buy coverage. Everyone's situation is unique and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Additional Wisconsin consumer information

More tips and info about car insurance can be found at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to find out industry alerts, read industry bulletins, view agent and company licensing information, and read consumer alerts.