7 Shopping Tips Shown to Lower Car Insurance Costs in Ettrick, WI

Tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other Wisconsin drivers.

Drivers have multiple to buy insurance from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

More discounts equal less premium

Companies offering auto insurance don't always list all available discounts very clearly, so we researched both the well known and the harder-to-find discounts you could be receiving.

  • Service Members Pay Less - Being deployed with a military unit can result in better rates.
  • Seat Belt Usage - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment could cut as much as 10% off depending on your company.
  • Student in College - Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
  • Life Insurance Discount - Some companies give a discount if you purchase life insurance.
  • Homeowners Pay Less - Owning a home in Ettrick can save you money because of the fact that having a home shows financial diligence.
  • No Accidents - Claim-free drivers pay much less when compared with drivers who are more careless.

Keep in mind that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

car insurance in Ettrick

Switch companies and save? Really?

21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies have a common claim that you can save if you move to their company. How does each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the driver that earns them a profit. For instance, a profitable customer might be a mature driver, is a homeowner, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Potential customers who do not match these standards must pay a higher premium and this can result in the customer not buying. The ad wording is "drivers who switch" not "everyone that quotes" save that much. That's why insurance companies can advertise the savings. This illustrates why drivers should get a wide range of price quotes. It's just too difficult to predict the company that will fit your personal profile best.

Learn more today

Additional detailed information is located at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to find disaster information, find a variety of consumer forms, read industry bulletins, and read enforcement actions against agents and companies.

Shop smart and save

Affordable car insurance is definitely available both online and also from your neighborhood Ettrick agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, it's very important that you do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.