Car Insurance in De Pere - 7 Ways to Save Money

Overpriced car insurance can drain your bank account and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to help make ends meet.

With consumers having so many online and local companies to choose from, it can be impossible to find the most affordable provider.

It's important to get comparison quotes on a regular basis since rates are constantly changing. Even if you got the best price six months ago you can probably find a better price now. Forget all the misinformation about car insurance because you're about to learn the tricks you need to know to get good coverage at a lower rate.

Don't pay full price with these seven discounts

Car insurance is not cheap, but companies offer discounts to reduce the price significantly. Certain discounts will be applied at the time of purchase, but less common discounts must be requested specifically prior to receiving the credit.

Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
Accident Waiver - Some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Multi-policy Discount - If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% off your total premium.
Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
No Claims - Drivers who don't have accidents can save substantially compared to accident-prone drivers.
E-sign - Certain companies will give a small break just for signing your application online.
Low Mileage - Fewer annual miles can earn better rates on cars that stay parked.

Keep in mind that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. Just because you may think you can get free auto insurance, it just doesn't work that way. But any discount will help reduce your premiums.

To choose providers who offer car insurance discounts in Wisconsin, click this link.

The car insurance bait and switch

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads make the same claim that you can save after switching your policy. But how can every company make the same claim?

All companies have a preferred profile for the right customer that makes them money. For example, a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. Any new insured who matches those parameters gets the lowest rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will be charged higher prices which leads to business going elsewhere. Company advertisements say "customers that switch" not "everyone that quotes" save that kind of money. This is how insurance companies can state the savings.

That is why you should compare as many rates as you can. It's just too difficult to predict which insurance companies will have the lowest rates.

More information can be found on the website for the Wisconsin Office of the Commissioner of Insurance located here. Consumers can read consumer alerts, get help finding coverage, view agent and company licensing information, and find out industry alerts.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this De Pere agent directory.

Final considerations

As you restructure your insurance plan, do not buy poor coverage just to save money. Too many times, drivers have reduced physical damage coverage only to discover later that they should have had better coverage. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Affordable car insurance can be purchased from both online companies in addition to many De Pere insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.