Getting Low-Cost Jefferson Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you're not the only one.

Having so many different company options, it's nearly impossible to locate the most affordable car insurance company.

Policy discounts you shouldn't miss

Companies offering auto insurance do not advertise all available discounts very well, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving.

  • Clubs and Organizations - Participating in a professional or civic organization may earn a discount when buying auto insurance.
  • Driver Safety - Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Auto/Home Discount - If you have multiple policies with one company you may save approximately 10% to 15%.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Fewer Miles Equal More Savings - Fewer annual miles can earn a substantially lower rate.
  • Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

Save $429 a year? Really?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies have a common claim about savings after switching to their company. But how can every company make almost identical claims? It's all in the numbers.

All the different companies are able to cherry pick for the driver that earns them a profit. For example, a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and has great credit. A driver that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile must pay a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully advertise the savings. This illustrates why you should get as many quotes as possible. It is impossible to predict which auto insurance company will fit your personal profile best.

Find out more about auto insurance

Even more information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can find out which companies have the most complaints, discover disciplinary actions, view agent and company licensing information, and read consumer alerts.

Also read more on this link for Wisconsin auto insurance quotes and this link which helps you find a Jefferson agent.

auto insurance in Jefferson

Final considerations

Cheaper auto insurance can be purchased online and also from your neighborhood Jefferson agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.