Compare Dickeyville Auto Insurance Prices With These Techniques

Are you intimidated by the wide range of auto insurance company choices in Dickeyville? Many other drivers are as well. You have so many options available that it can turn into a ton of work to find lower rates.

It's important to do rate comparisons every six months because prices are constantly changing. Just because you found the best rates a few years ago you will most likely find a better rate today. There is a lot of wrong information about auto insurance online, so we're going to give you some great ways to put money back in your pocket.

Locating affordable auto insurance in Dickeyville can be fairly easy. Just about every driver who is required by state law to have auto insurance will most likely be able to save money. But Wisconsin consumers do need to know how insurance companies sell online.

These discounts can lower your rates

Car insurance is not cheap, but you may find discounts that you may not know about. Some discounts apply automatically at quote time, but some may not be applied and must be manually applied in order for you to get them.

  • Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Clubs and Organizations - Being a member of a professional or civic organization is a good way to get lower rates on your policy.
  • Homeowners Discount - Being a homeowner can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Discount for Good Grades - Performing well in school can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • No Charge for an Accident - Some insurance companies allow you one accident before your rates go up if you are claim-free for a set time period.
  • Multi-policy Discount - If you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Federal Government Employee - Active or retired federal employment could cut as much as 10% off with certain companies.
  • Senior Citizens - If you qualify as a senior citizen, you may receive reduced rates.
  • Military Rewards - Being on active duty in the military could be rewarded with lower premiums.
  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will help reduce the cost of coverage.

Dickeyville auto insurance quote

Are you falling for claims of savings?

Companies like Allstate and Progressive consistently run ads on television and other media. All the ads make an identical promise that you'll save big if you change to them. But how can every company claim to save you money? It's all in the numbers.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. A good example of a preferred risk might be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged more money and ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save money. That's the way companies can advertise the way they do.

That is why you should get a wide range of price quotes. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Learn more about Wisconsin auto insurance

Much more information about auto insurance in Wisconsin can be read on the Wisconsin Office of the Commissioner of Insurance website found here. Visitors are able to read consumer alerts, find out which companies have the most complaints, and report car insurance fraud.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Dickeyville agent directory.

Shop smart and save

When shopping online for auto insurance, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Budget-conscious auto insurance can be sourced both online and with local Dickeyville insurance agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We covered many tips how you can reduce auto insurance prices online. It's most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from some of the smallest insurance companies.