Car Insurance in Independence Wisconsin - 6 Tricks to Save Money

Beginners to buying insurance online might discover buying the lowest-priced Independence car insurance quite challenging.

This article will introduce you to how car insurance quotes work and some tips to save money. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Although Wisconsin car owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited.

  • Federal Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Multiple Policy Discount - If you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Driver Safety - Completing a driver safety course can save you 5% or more if you qualify.
  • New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different.

For instance, these questions might point out whether you would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I rate my vehicle as pleasure use or commute?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on television and other media. They all say the same thing about savings after switching your policy. But how can every company make the same claim?

All companies have a certain "appetite" for the right customer that earns them a profit. An example of a driver they prefer could be a mature driver, owns a home, and has great credit. Any new insured who fits that profile receives the best rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will be quoted higher prices which usually ends up with business going elsewhere. Company advertisements say "customers that switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully advertise the savings.

This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

Additional information is available on the Wisconsin Office of the Commissioner of Insurance website located here. Consumers can download brochures, find out industry alerts, and view agent and company licensing information.

Also read more on this online resource for car insurance quotes in Wisconsin and this list of insurance agents in Independence.

Independence car insurance quote

Do the work, save more money

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, policy cancellation, policy non-renewal and even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

The cheapest car insurance can be purchased from both online companies in addition to many Independence insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and these smaller companies work with independent agents.