Dellwood Auto Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of auto insurance choices in Dellwood? Many other drivers are as well. People have so many options available that it can turn into a big hassle to find better rates.

It's important to compare rates every six months because prices are constantly changing. Despite the fact that you may have had the best rates a few years ago a different company probably has better rates today. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to find cheap auto insurance.

Take advantage of discounts

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount. If you aren't receiving every discount possible, you are throwing money away.

Senior Citizens - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
Bundle and Save - If you have multiple policies with the same company you may save up to 20% off your total premium.
Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.

It's important to note that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you can get free auto insurance, you're out of luck. But any discount will reduce your overall premium however.

You have some control over your rates

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that may reward you with lower auto insurance prices.

Older drivers pay less - Older insureds are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Youthful drivers are known to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, and windstorm damage. Deductibles for physical damage are how much you are required to spend before your auto insurance pays a claim. The more expense you are required to pay out-of-pocket, the less your auto insurance will be.
Men pay higher rates - Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men tend to get into accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
Save money with special equipment - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
Pay less if you're married - Getting married can get you a discount on your policy. It means you're more mature it has been statistically shown that being married results in fewer claims.
Rural vs Urban Areas - Choosing to live in a rural area can be a good thing when talking about auto insurance. Lower population translates into fewer accidents and a lower car theft rate. Drivers in populated Wisconsin areas have much more traffic to deal with and longer commutes to work. More time commuting means more change of being in an accident.

Are auto insurance companies telling the truth?

Consumers in Wisconsin get pounded daily by advertisements that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save after switching to their company.

How can each company claim to save you money? This is how they do it.

All companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured might be a mature driver, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money and ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. That's the way insurance companies can advertise the way they do.

Because of the profiling, drivers should compare many company's rates. It's impossible to know which auto insurance company will provide you with the cheapest rates.

More information can be read on the Wisconsin Office of the Commissioner of Insurance website. Click here for link. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, and learn about insurance regulations.

In the end, you save

When shopping online for auto insurance, it's not a good idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest price.

Lower-priced auto insurance can be bought both online and also from your neighborhood Dellwood agents, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

People change insurance companies for any number of reasons including not issuing a premium refund, lack of trust in their agent, denial of a claim and even unfair underwriting practices. No matter why you want to switch, switching auto insurance companies is less work than it seems.