Free Guide to Spending Less for Holcombe Auto Insurance Online

I can't think of a single person who enjoys paying for auto insurance, in particular when the cost is too high. Because you have many online and local companies to choose from, it can be diffult for consumers to locate the lowest cost insurer.

It's important to compare rates occasionally because insurance rates are constantly changing. If you had the best rates two years ago you will most likely find a better rate today. There is a lot of wrong information about auto insurance online, so I'm going to show you some great ways to put money back in your pocket.

Don't pay full price with these discounts

Companies that sell car insurance don't always list all their discounts very well, so the following is a list of both well-publicized and the more hidden discounts you could be receiving. If you don't get every credit you qualify for, you are throwing money away.

Bundle and Save - If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
Federal Employees - Active or retired federal employment could cut as much as 10% off with select insurance companies.
Defensive Driving Course - Successfully completing a course in driver safety can save you 5% or more if you qualify.
Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance.
Save over 55 - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
No Accidents - Good drivers with no accidents pay less as compared to drivers who are more careless.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky.

Your personal situation dictates your coverage

When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether or not you will benefit from professional help.

What is the difference between comprehensive and collision coverage?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
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?
Should I put collision coverage on all my vehicles?

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

The auto insurance bait and switch

Wisconsin consumers get pounded daily by advertisements for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to have a common claim about savings if you move to their company.

But how can every company make almost identical claims?

Insurance companies have a certain "appetite" for the driver that earns them a profit. A good example of a desirable insured could possibly be between the ages of 40 and 55, owns a home, and chooses high deductibles. A driver that hits that "sweet spot" will get the preferred rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile will have to pay more money and this can result in the driver buying from a lower-cost company. The ads state "people who switch" not "everyone that quotes" save that much. That is how companies can truthfully state the savings. Because of the profiling, you should get quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

For more Wisconsin car insurance information

Even more information can be read at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can view agent and company licensing information, read consumer alerts, download brochures, and file complaints about a company.

Also read more on Wikipedia and this Holcombe agent directory.

A tidy conclusion

When buying insurance coverage, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured cut full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at an affordable rate.

Cheaper auto insurance is definitely available online and also from your neighborhood Holcombe agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.