9 Top Ways to Reduce Car Insurance Costs in Delavan

Expensive car insurance can overdraw your checking account and put the squeeze on your family's finances. Shopping your coverage around is a great way to help make ends meet. You have so many to buy insurance from, and even though it's nice to have multiple companies, lots of choices makes it harder to compare rates.

Save big with these nine discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply when you get a quote, but some may not be applied and must be manually applied before you will receive the discount. If you're not getting every credit you deserve, you are throwing money away.

Safety Course Discount - Taking part in a defensive driving course could cut 5% off your bill if you qualify.
Life Insurance Discount - Some companies give a discount if you purchase auto and life insurance together.
Multiple Cars - Insuring all your vehicles on one policy may reduce the rate for each vehicle.
Accident Waiver - Certain companies will forgive one accident before your rates go up so long as you haven't had any claims for a particular time prior to the accident.
Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.
Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.
Student in College - Youth drivers living away from home attending college and don't have a car may qualify for this discount.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.

It's important to note that some credits don't apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck. But any discount will bring down your overall premium however.

But I don't know anything about car insurance

When it comes to buying coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can help discover if your situation might need professional guidance.

Should I rate my vehicle as pleasure use or commute?
What happens if I owe more than my vehicle is worth?
Am I covered if I wreck a rental car?
I have good health insurance, so how much medical payments coverage do I need?
Should I buy additional glass protection?
Why am I required to get a high-risk car insurance policy?
What are Wisconsin no-fault laws?

If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

Car insurance ads bend the truth

Consumers in Wisconsin get pounded daily by advertisements for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies have a common claim that you can save if you change your coverage to them.

How does each company claim to save you money?

All the different companies have a preferred profile for the type of customer that earns them a profit. A good example of a profitable customer might be between 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Drivers who fall outside these standards must pay higher premiums and this can result in the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much money. This is how insurance companies can advertise the way they do.

This illustrates why drivers should get as many quotes as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Learn more about car insurance in Wisconsin

More information can be read on the website for the Wisconsin Office of the Commissioner of Insurance located here. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, find out which companies have the most complaints, and get help finding coverage.

A tidy conclusion

Lower-priced car insurance can be sourced both online as well as from independent agents in Delavan, so compare prices from both to have the best chance of lowering rates. Some car insurance companies don't offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.