Tightwads Instructions on Saving on Fountain City Car Insurance

I can't think of anyone who cherishes buying car insurance, particularly when the price is too high.

Lots of contend for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the lowest price

If you have car insurance now, you will be able to save some money using these methods. Buying car insurance in Fountain City is easy if you know what you're doing. But Wisconsin consumers do need to know the way insurance companies sell online and take advantage of how the system works.

car insurance in Fountain City

Finding Car Insurance Deals in Fountain City, WI

There are several ways of comparing rates from different Fountain City insurance companies. The best method to find the lowest rates is simply to get online rate quotes. This can be done using a couple different methods.

  • The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do a different quote for every car insurance company. A single form gets you price quotes .
  • A slightly less efficient method to get quotes online requires a trip to the website for every company you want to comare to request a price quote. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website to input your insurance information, and that's why the first method is more popular. To view a list of companies in Fountain City, click here.
  • The most time-consuming method of getting rate comparisons is driving to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the personal advice of a local Fountain City agent. It is possible to get the lowest quotes online and still use a local agent and you'll learn how to do that later.

Whichever method you choose, make absolute certain that you use the exact same quote information for each price quote. If you use mixed coverages you will not be able to truly determine the lowest rate in Fountain City. Slightly different insurance coverages could mean much higher rates. And when quoting car insurance, remember that having more price comparisons will enable you to find a better price.

Save big with these discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but some must be asked about before you will receive the discount.

  • Safety Course Discount - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Memberships - Being a member of certain professional organizations may earn a discount when buying car insurance.
  • Multiple Cars - Insuring all your vehicles on the same car insurance policy qualifies for this discount.
  • Senior Citizens - Mature drivers may receive a discount up to 10%.
  • No Claims - Good drivers with no accidents can earn big discounts when compared with bad drivers.
  • Paperless Signup - Certain companies may give you up to $50 for buying a policy and signing up on their website.
  • Save with a New Car - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% depending on your company.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.

Drivers should understand that some credits don't apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will cut your overall premium however.

To see a list of insurers with discount car insurance rates in Fountain City, click here.

But I don't know anything about car insurance

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Every insured's situation is different and your policy should reflect that. These are some specific questions might point out if your situation would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my personal policy cover me when driving my company car?

If you can't answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

For more Wisconsin car insurance information

Much more information about car insurance in Wisconsin is available on the website for the Wisconsin Office of the Commissioner of Insurance. Click here for link. Visitors are able to discover disciplinary actions, read consumer alerts, find out which companies have the most complaints, and report car insurance fraud.