Free Guide to Paying Less for Dodgeville Auto Insurance Online

Scraping up a payment for overpriced auto insurance can overdraw your savings account and put a big crunch on your finances. Doing a price comparison is a smart way to lower your monthly bill. Because you have many auto insurance companies to choose from, it's nearly impossible to pick the cheapest company.

Finding affordable coverage in Dodgeville is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Wisconsin vehicle owners just need to know the proper way to compare company rates over the internet.

Be sure to get all your discounts

Companies that sell car insurance don't always list every discount very well, so we break down both the well known and also the lesser-known auto insurance savings. If you don't get every credit you deserve, you're paying more than you need to.

No Claims - Drivers who don't have accidents can save substantially when compared to bad drivers.
Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up online.
Save with a New Car - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Good Student Discount - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
Own a Home - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Government Employees - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
Passive Restraints - Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
Accident Waiver - Some insurance companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.

Consumers should know that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurance companies who offer auto insurance discounts in Wisconsin, follow this link.

Dodgeville Auto Insurance Prices Online

There are several ways to compare auto insurance quotes, and some are less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in Dodgeville, or you could use online quotes for quick rates.

Many insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote for coverage. This eliminates the need for form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is you cannot specify which carriers to get quotes from. So if you want to choose specific providers to compare rates, we have a page of companies who write auto insurance in Wisconsin. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples coverage information on every quote you get. If you use unequal deductibles or liability limits then you won't be able to determine which rate is truly the best in Dodgeville.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to lower auto insurance prices.

The following are a few of the "ingredients" that factor into prices.

Your auto insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for auto insurance? Careers like lawyers, architects and stock brokers are shown to have the highest rates due to stressful work requirements and lengthy work days. On the other hand, occupations like pilots, students and performers pay the least.
Your spouse saves you money - Having a spouse can get you a discount when buying auto insurance. Having a significant other usually means you are more mature than a single person and statistics show married drivers get in fewer accidents.
Mature drivers pay less - Youthful drivers in Wisconsin are known to be careless and easily distracted when driving so auto insurance rates are higher. Having to add a youthful driver onto your auto insurance can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
Cautious drivers pay less - Drivers with clean records get better rates compared to drivers with tickets. Just one ticket may increase your cost by as much as thirty percent. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
High deductibles save money - Your deductibles define the amount you are required to spend in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage caused by hail, or theft. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
Frequent auto insurance claims increase rates - If you file claims often, you can expect either a policy non-renewal or much higher rates. Companies in Wisconsin provide discounts to people who do not rely on their insurance for small claims. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.

Is there truth in advertising?

Consumers in Wisconsin can't get away from ads for car insurance savings from companies such as Progressive, Allstate and GEICO. They all say the same thing that you'll save big after switching your policy.

But how can every company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the right customer that is profitable for them. For example, a driver they prefer might be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can advertise the way they do. This emphasizes why drivers must get quotes from several different companies. It's impossible to know which insurance companies will provide you with the cheapest rates.

In the end, you save

Discount auto insurance can be bought both online in addition to many Dodgeville insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, don't be tempted to reduce coverage to reduce premium. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

For more Wisconsin auto insurance information

More detailed Wisconsin auto insurance information can be found at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to read industry bulletins, get help finding coverage, read enforcement actions against agents and companies, and file complaints about a company.

Additional helpful sites include this online resource for auto insurance quotes in Wisconsin and this list of insurance agents in Dodgeville.