Top Ways to Save on Hazel Green Auto Insurance

Nobody likes having to buy auto insurance, in particular when they are paying too much. Drivers have so many to pick from, and even though it's nice to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices periodically because insurance rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago there is a good chance you can find better rates now. Don't believe everything you read about auto insurance on the web, but I'm going to show you some great ways to reduce your auto insurance bill.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The following are a partial list of the pieces used by your company to calculate rates.

Men pay higher rates - Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men tend to get into accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
Traffic violations increase rates - Just one citation can bump up the cost by as much as thirty percent. Drivers who don't get tickets get better rates compared to drivers with tickets. Drivers who have flagrant citations like DUI or reckless driving may need to file a SR-22 with their state DMV in order to keep their license.
Teen drivers pay high rates - Teen drivers in Wisconsin are known to be more careless behind the wheel so they pay higher auto insurance rates. Adding a teen driver onto a policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
Where do you drive? - Driving more miles each year the more you will pay for auto insurance. Almost all companies apply a rate based on their usage. Vehicles left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.

Hazel Green Auto Insurance Comparisons

Reducing your insurance rates isn't really that difficult. Just spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This can be done using a couple different methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quotes for every auto insurance company. Just one form will get you rate comparisons instantly.
A less efficient way to compare rate quotes requires you to visit each individual company website to request a price quote. For instance, let's say you want to compare , and . To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker.

To view a list of companies in Hazel Green, click here.

Whichever way you use, be sure to compare identical coverage information for each price quote. If you use unequal deductibles or liability limits then you won't be able to truly determine the lowest rate in Hazel Green.

Take advantage of discounts

Car insurance companies do not advertise all their discounts very clearly, so we researched both well-publicized and also the lesser-known auto insurance savings. If you're not getting every credit you qualify for, you are paying more than you should be.

Accident Forgiveness - Certain companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
Good Student - This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
College Student - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
Drive Less and Save - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.

It's important to note that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you're out of luck.

To choose companies who offer auto insurance discounts in Wisconsin, follow this link.

Are auto insurance companies telling the truth?

Wisconsin consumers can't ignore all the ads for cheaper car insurance from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing that you can save after switching your coverage to them.

How does each company make almost identical claims? It's all in the numbers.

All companies have a certain "appetite" for the type of customer that makes them money. For instance, a desirable insured could possibly be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A driver who fits that profile is entitled to the best price and most likely will save when switching.

Drivers who don't qualify for these standards will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "people who quote" save that much money. That is how insurance companies can advertise the way they do. Because of the profiling, you need to compare as many rates as you can. It is impossible to predict which company will provide you with the cheapest rates.

How to know if you need help

When buying the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Wisconsin?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Is my nanny covered when driving my vehicle?
Am I covered when driving on a suspended license?

If you don't know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Additional detailed information is located at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can learn about insurance regulations, file complaints about a company, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Other informative sites include this site for Wisconsin auto insurance information and see this list of insurance agents in Hazel Green.

And the best car insurance company is...

Lower-priced auto insurance can be bought online as well as from independent agents in Hazel Green, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies don't offer online price quotes and most of the time these small, regional companies sell through independent agents.

In this article, we presented many ways to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets than their larger competitors like .

When shopping online for auto insurance, make sure you don't reduce coverage to reduce premium. In many cases, someone dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best price.