Car Insurance in Florence - 9 Ways to Save Money

Having to pay for overpriced car insurance can overdraw your checking account and make it impossible to make ends meet. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

Having so many different company options, it's nearly impossible to choose the most affordable insurance company.

It's important to price shop coverage yearly since rates are constantly changing. Even if you got the lowest price last year there may be better deals available now. Block out anything you think you know about car insurance because you're about to learn the tricks you need to know to find the best coverage while lowering your premiums.

Finding affordable coverage in Florence is quite easy. If you are paying for car insurance now, you should be able to cut costs considerably using this information. Nevertheless, Wisconsin consumers do need to know the way insurance companies price insurance differently because it can help you find the best coverage.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list every available discount very well, so we researched both the well known and the harder-to-find ways to save on car insurance.

Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Auto/Life Discount - Larger companies have a break if you buy auto and life insurance together.
Multi-policy Discount - When you have multiple policies with one company you could get a discount of approximately 10% to 15%.
Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
Save with a New Car - Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
Driver's Ed - Require your teen driver to take driver's ed class if it's offered in school.
Low Mileage - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Military Discounts - Having a family member in the military may qualify for rate reductions.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.

Consumers should know that many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way.

For a list of providers who offer car insurance discounts in Wisconsin, click this link.

Where Can I Get Cheap Florence Car Insurance?

The are a couple different ways to get quotes from local Florence car insurance companies. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

One of the best ways consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This form prevents you from having to do separate forms to each individual car insurance company. A single, simple form gets rate comparisons from several companies.

A more time consuming way to shop for car insurance online is spending the time to visit each company website to complete their respective quote request forms. For sake of this example, we'll pretend you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your policy data, and that's why the first method is more popular.

For a list of links to companies insuring cars in Florence, click here.

It doesn't matter which method you choose, just make sure you use apples-to-apples information on every quote you get. If you enter higher or lower deductibles it will be very difficult to determine which rate is truly the best in Florence. Having just a slight variation in coverage limits may result in large price differences. And when comparing car insurance rates, know that comparing more company's prices provides better odds of finding the best price.

Insurance agents can help

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's situation is unique so this has to be addressed. For example, these questions can help discover whether your personal situation would benefit from professional advice.

Should I buy only the required Wisconsin minimum liability coverage?
When does my teenage driver need to be added to my policy?
What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Who is covered when they drive my vehicle?
Is rental equipment covered for theft or damage?
Is my dog or cat covered if injured in an accident?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Do the work, save more money

We just covered many ideas to get a better price on car insurance. The most important thing to understand is the more you quote, the better chance you'll have of finding lower rates. You may even discover the best price on car insurance is with a smaller regional carrier. These companies may often insure only within specific states and give getter rates compared to the large companies like .

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability coverage limits only to discover later that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.