Top 9 Ways to Get Lower Rates on Car Insurance in Franksville, WI

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are many Franksville consumers feeling the pinch from expensive car insurance.

Drivers have so many to buy insurance from, and although it's a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

Don't pay full price with these nine discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Some discounts apply automatically when you quote, but less common discounts must be asked for prior to getting the savings.

Clubs and Organizations - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
Fewer Miles Equal More Savings - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Safety Course Discount - Taking a driver safety course could possibly earn you a 5% discount if you qualify.
Student in College - Children who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
Claim Free - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
Homeowners Discount - Owning a home in Franksville may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
Discount for Good Grades - Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.

Keep in mind that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free car insurance policy, it just doesn't work that way. But any discount will bring down your premiums.

The car insurance bait and switch

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies say the same thing that you can save if you change your coverage to them. How does each company make the same claim?

Different companies are able to cherry pick for the type of customer that earns them a profit. For example, a profitable customer could be over the age of 50, has no tickets, and has great credit. Any new insured who fits that profile will get very good rates and therefore will save when switching.

Potential customers who don't measure up to these standards must pay a higher premium which usually ends up with business going elsewhere. The ads say "people who switch" not "everyone that quotes" save that much money. That's the way insurance companies can advertise the savings.

This illustrates why drivers should compare many company's rates. It's just too difficult to predict which car insurance company will give you the biggest savings.

More information can be found on the website for the Wisconsin Office of the Commissioner of Insurance through this link. Consumers can find out which companies have the most complaints, find disaster information, discover disciplinary actions, and read enforcement actions against agents and companies.

Affordable insurance is out there

Affordable car insurance is attainable from both online companies as well as from independent agents in Franksville, and you should be comparing both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, it's very important that you do not skimp on coverage in order to save money. In too many instances, an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.