Greenwood Auto Insurance For Less Than You're Paying Now

If you are a novice to online auto insurance shopping, it's easy to get overwhelmed by the hoards of auto insurance companies selling insurance in Greenwood.

It's important to check auto insurance prices occasionally because insurance rates are constantly changing. Even if you got the best price last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the only way to properly buy coverages while reducing your premium.

Choosing the best insurance company for you in Greenwood is easy if you know what you're doing. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these techniques. But Wisconsin drivers do need to know the way companies price online insurance and apply this information to your search.

Wisconsin auto insurance

Greenwood Auto Insurance Quote Comparison

There are multiple methods to shop for auto insurance, and some are easier and takes less work. You can spend countless hours talking to agents in Greenwood, or you could use the web to get prices fast.

The majority of car insurance companies participate in an industry program that enables customers to enter their coverage request one time, and each company can provide price quotes based on the submitted data. This eliminates the need for quote forms to each individual auto insurance company. To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is you can't choose the providers you will receive quotes from. If you would rather choose individual companies for rate comparison, we have a page of companies who write auto insurance in Wisconsin. Click here for list of insurance companies in Wisconsin.

Whichever way you use, make absolute certain that you use identical coverage limits and deductibles for every quote you compare. If you enter different liability limits you can't possibly determine the best price in Greenwood. Just a small difference in insurance coverages can make a big difference in price. And when quoting auto insurance, remember that quoting more helps you find the best rates.

Don't pay full price with these discounts

Auto insurance companies don't always publicize every available discount very clearly, so we took the time to find both well-publicized and also the lesser-known auto insurance savings.

  • Early Signing - Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Passive Restraints - Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Defensive Driver - Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
  • Good Student - A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Memberships - Participating in a qualifying organization could qualify you for a break on your policy.
  • Drivers Education - Have your child take driver's ed class in school.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, companies wouldn't make money that way.

To see a list of providers offering auto insurance discounts in Wisconsin, follow this link.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Your needs are not the same as everyone else's.

Here are some questions about coverages that might point out whether or not you might need an agent's assistance.

  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

More detailed Wisconsin auto insurance information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can file complaints about a company, find out industry alerts, and file complaints about an insurance agent or broker.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Greenwood Wisconsin.