Best Way to Find Low-Cost Greenleaf Auto Insurance

Searching for the most affordable Greenleaf auto insurance on the web is rather challenging for beginners to comparison shopping online. Because there are so many online companies, how can consumers even start to compare every one to find the cheapest rates?

It's important to price shop coverage quite often because insurance rates are constantly changing. If you had the best rates a few years ago you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

Be sure to get all your discounts

Companies don't list all their discounts very well, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance.

  • College Student - Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
  • Military Discounts - Having a family member in the military can result in better rates.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Drive Less and Save - Keeping the miles down could qualify for better rates on cars that stay parked.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

Greenleaf auto insurance comparison

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there really is no one size fits all plan. Everyone's needs are different.

For example, these questions may help you determine whether or not you would benefit from an agent's advice.

  • Why does it cost so much to insure a teen driver in Greenleaf?
  • Should I buy additional glass protection?
  • Am I covered when pulling a rental trailer?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won't pay a claim?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it's difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make the same claim about savings if you move your policy. But how can every company make almost identical claims?

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the way they do. Because of the profiling, you should get a wide range of price quotes. It is impossible to predict which insurance companies will provide you with the cheapest rates.

More sites with auto insurance information

Even more information can be read at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can read enforcement actions against agents and companies, learn about insurance regulations, and view a list of available companies.

Also read more on this Car Insurance FAQ and this page of insurance agents in Greenleaf.

Greenleaf auto insurance comparison

Final considerations

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford.

Insureds who switch companies do it for a number of reasons such as not issuing a premium refund, denial of a claim, unfair underwriting practices and even policy non-renewal. Regardless of your reason, choosing a new insurance company is less work than it seems.

Cheaper auto insurance is possible online in addition to many Greenleaf insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.