Consumer Tested Strategies to Save on Fennimore Auto Insurance

Having to pay for overpriced auto insurance can overdraw your bank account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. There is such a variety of to buy insurance from, and even though it's nice to have a choice, so many choices can make it hard to compare rates.

Finding the best rates in Fennimore is quite easy. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Wisconsin drivers only need an understanding of the most efficient way to shop for auto insurance online.

Where Can I Get Cheap Fennimore Auto Insurance?

Most major insurance companies like 21st Century, Allstate and State Farm quote insurance quotes online. Getting online rates doesn't take much effort as you just enter your required coverages as detailed in the form. Behind the scenes, the company's rating system will obtain reports for credit and driving violations and returns a price. Being able to quote online makes it a lot easier to compare rates but having to visit each company's website and repetitively type in the same information is repetitive and time-consuming. But it's very important to compare as many rates as possible if you are searching for better auto insurance pricing.

A less time-consuming method to compare auto insurance pricing uses one simple form that gets prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online a little more enjoyable. As soon as you send your information, it is quoted and you can choose any one of the returned quotes. If the quotes result in lower rates, it's easy to complete the application and buy the policy. It can be completed in a matter of minutes and may result in a nice savings.

To save time and find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you input the insurance coverages identical to your current policy. This way, you will receive comparison quotes based on similar coverages.

Understand what determines the rate you pay

It's important that you understand the different types of things that go into determining the price you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that could result in lower auto insurance prices.

Listed below are some of the items that factor into premiums.

Extra coverages can waste money - There are many add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages for rental car reimbursement, accidental death and membership fees may be costing you every month. They may seem good at first, but your needs may have changed so eliminate them to save money.
Where you live is a factor - Residing in a rural area is a positive aspect when insuring your vehicles. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Fewer drivers means reduced accidents and a lower car theft rate.
Traffic violations increase rates - Only having one ticket may increase your cost by twenty percent. Drivers with clean records receive lower rates than bad drivers. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state DMV in order to continue driving.
Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Women and men are in accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
Safer cars are cheaper to insure - Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates.

These discounts can lower your rates

Car insurance companies don't list all available discounts very clearly, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If you're not getting every credit you deserve, you're just leaving money on the table.

Defensive Driver - Completing a course in driver safety could cut 5% off your bill depending on where you live.
Auto/Home Discount - When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
Save over 55 - Older drivers may qualify for a discount up to 10%.
Military Discounts - Being on active duty in the military could mean lower rates.
Government Employees - Simply working for the federal government can save as much as 8% depending on your company.
Accident Waiver - Certain companies permit an accident without raising rates so long as you haven't had any claims prior to the accident.
Fewer Miles Equal More Savings - Driving fewer miles could qualify for discounted rates on garaged vehicles.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

For a list of insurers offering auto insurance discounts in Wisconsin, click here to view.

Different people need different coverages

When it comes to choosing coverage for your personal vehicles, there isn't really a one size fits all plan. Each situation is unique so your insurance should reflect that For instance, these questions can help discover whether you might need an agent's assistance.

Should I rate my vehicle as pleasure use or commute?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in Wisconsin?
Should I buy additional glass protection?
Am I covered when delivering products for my home-based business?
Am I covered if I drive in a foreign country?
Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions, you may need to chat with a licensed agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.

More tips and info about auto insurance can be read at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can discover disciplinary actions, view agent and company licensing information, file complaints about a company, and learn about insurance regulations.

In the end, you save

Cost effective auto insurance is available online in addition to many Fennimore insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for auto insurance, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented some good ideas how you can lower your auto insurance rates. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest rates come from a company that doesn't do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as .