10 Shopping Tips Guaranteed to Save on Car Insurance Costs in Hayward

Expensive car insurance can empty your savings account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income.

Insurance companies such as GEICO and Progressive continually hit you with ad campaigns and it is difficult to sift through the bull and take the time to shop coverage around.

How to Lower Your Car Insurance Cost in Hayward, Wisconsin

The are a couple different ways to get quotes from local Hayward car insurance companies. One of the best ways to find the cheapest insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form eliminates the need for a different quote to each individual car insurance company. One form submission gets you coverage quotes .
  2. A more time consuming way to shop for car insurance online consists of going to the website of each company to complete their respective quote request forms. For examples sake, let's assume you want comparison quotes from , and . To find out each rate you need to take the time to go to each site to enter your coverage information, and that's why the first method is more popular.

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

It doesn't matter which method you choose, just ensure you are comparing exactly the same coverages on every quote you get. If you use different limits and deductibles on each one you will not be able to determine which rate is truly the best in Hayward. Having just a slight variation in limits may result in a large different in cost. Just remember that getting more free quotes will improve the odds of getting lower pricing.

Policy discounts you shouldn't miss

Auto insurance companies don't necessarily list every discount in a way that's easy to find, so the following is a list of both the well known and the harder-to-find ways to save on car insurance.

  • No Accidents - Drivers who don't have accidents pay less when compared to accident-prone drivers.
  • Own a Home - Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Government Employees - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Auto/Life Discount - Some companies give better rates if you take out auto and life insurance together.
  • Save with a New Car - Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Organization Discounts - Being a member of a civic or occupational organization could trigger savings when shopping for car insurance.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company qualifies for this discount.

It's important to note that many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck.

To choose insurance companies with the best car insurance discounts in Hayward, click this link.

Save $429 a year? Really?

Car insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all make the same claim that you can save if you move to their company. How can each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the driver that makes them money. A good example of a driver they prefer might be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted a higher premium which leads to the customer not buying. The ads state "drivers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can advertise the way they do. This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Additional detailed information can be read at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to read industry bulletins, report car insurance fraud, find a variety of consumer forms, and download brochures.

Affordable insurance is out there

Lower-priced car insurance is definitely available both online and also from your neighborhood Hayward agents, so you should compare both to have the best rate selection. Some car insurance companies may not provide online price quotes and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.