Free Guide to Cutting Costs on Eagle River Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are lots of people in the same boat. There are many to buy insurance from, and although it's nice to have a selection, it makes it harder to compare rates.

It's important to check auto insurance prices at least once a year since insurance rates are constantly changing. If you had the best price last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the fastest and easiest way to get good coverage at a lower rate.

Pricing the lowest cost auto insurance coverage in Eagle River is quite easy. If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates while maximizing coverage. Wisconsin vehicle owners just need to know the best way to buy auto insurance online.

Are you getting all your discounts?

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be asked for before you will receive the discount. If you're not getting every credit possible, you're paying more than you need to.

Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
Military Rewards - Being on active duty in the military can result in better rates.
Accident Free - Drivers with accident-free driving histories can save substantially compared to bad drivers.
Homeowners Discount - Being a homeowner can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with certain companies.
Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
New Vehicle Savings - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
E-sign - Certain companies give back up to $50 for buying a policy and signing up over the internet.
Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
Multi-policy Discount - When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.

Drivers should understand that most discounts do not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

To see a list of providers with the best auto insurance discounts in Wisconsin, click here to view.

How to Compare Eagle River Auto Insurance Costs

Most companies like Allstate and Progressive give prices for coverage online. Getting online quotes is fairly straightforward as you simply enter the coverage amounts you desire as detailed in the form. Once you submit the form, their system will obtain reports for credit and driving violations and quotes a price based on these factors. Quoting online makes comparing rates easy, but having to visit many different websites and complete many quote forms can get tiresome after awhile. But it's very important to perform this step in order to get the best price on auto insurance.

The easy way to compare rates

The preferred way to find better auto insurance pricing requires only one form to return rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes price shopping online a lot less work. After sending your information, your coverage is rated and you are able to buy any one of the price quotes you receive.

If a lower price is quoted, it's easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you input just like they are on your policy. This makes sure you will get a fair comparison based on the exact same insurance coverage.

What determines how much you pay?

An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get lower auto insurance prices.

Bundling policies can get discounts - The majority of insurers give discounts to people who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare rates to make sure you are getting the best deal. Consumers may find a better deal by buying insurance from more than one company.
High crash test scores lower rates - Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates.
Rates may be higher depending on your occupation - Occupations like lawyers, business owners and financial analysts tend to pay higher average rates because of stressful work requirements and lengthy work days. Conversely, occupations such as actors, engineers and the unemployed have the lowest average rates.
Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount you're willing to pay, the less your auto insurance will be.
Frequent auto insurance claims increase rates - Insurance companies in Wisconsin award lower rates to people who file claims infrequently. If you are a frequent claim filer, you can expect higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
A clean driving record saves money - Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation can increase rates by twenty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
Pleasure use saves money - The more you drive in a year the higher your rates will be. Most companies price each vehicle's coverage based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance policy shows the correct driver usage.

How can Allstate and Progressive save drivers who switch?

Wisconsin drivers can't get away from ads that promise big savings by companies like Allstate and Progressive. All the ads make an identical promise that you'll save big if you move to them.

How does each company say the same thing?

All companies are able to cherry pick for the type of driver that is profitable for them. For example, a preferred risk might be profiled as between the ages of 40 and 55, has no tickets, and has great credit. A propective insured who meets those qualifications gets the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be charged higher premiums and ends up with business not being written. The ads say "customers that switch" not "everybody who quotes" save money. That's the way companies can advertise the savings.

That is why drivers must get a wide range of price quotes. It's not possible to predict which auto insurance company will give you the biggest savings.

And the best car insurance company is...

As you prepare to switch companies, never reduce coverage to reduce premium. Too many times, an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious auto insurance is definitely available on the web and with local Eagle River insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Find out more about auto insurance

Much more information about auto insurance in Wisconsin can be found on the website for the Wisconsin Office of the Commissioner of Insurance located here. Wisconsin drivers can read consumer alerts, find disaster information, read industry bulletins, and report car insurance fraud.