Tightwads Tips for Saving on Johnson Creek Auto Insurance

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other drivers in Wisconsin. You have multiple to buy insurance from, and though it is a good thing to have multiple companies, having more makes it harder to compare rates.

It's important to do rate comparisons before your policy renews because prices are constantly changing. Just because you found the best rates a few years ago you will most likely find a better rate today. There is too much inaccurate information about auto insurance online but I'm going to show you some great ways to put money back in your pocket.

Are you getting all your discounts?

Companies don't list all their discounts very clearly, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you're not getting every credit available, you are throwing money away.

  • Homeowners Pay Less - Owning a house in Johnson Creek can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Accident Free - Claim-free drivers pay less as compared to drivers who are more careless.
  • Multiple Cars - Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • College Student - Kids in college living away from home attending college and don't have a car can be insured at a reduced rate.
  • One Accident Forgiven - Certain companies permit an accident before your rates go up as long as you don't have any claims for a set time period.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, auto insurance companies aren't that generous.

How can State Farm, GEICO and Progressive save drivers who switch?

Consumers in Wisconsin get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise about savings if you change to them.

How does each company claim to save you money?

Insurance companies can use profiling for the type of driver that earns them a profit. A good example of a desirable insured might be over the age of 40, is a homeowner, and has a short commute. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay higher prices and ends up with the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save money. That's why companies can truthfully make the claims of big savings. Because of the profiling, you should compare many company's rates. It's impossible to know the company that will fit your personal profile best.

Learn more today

Even more information can be read at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to report car insurance fraud, read industry bulletins, read enforcement actions against agents and companies, and find out industry alerts.

In the end, you save

Cheap auto insurance can be sourced both online and with local Johnson Creek insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, it's very important that you do not buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at an affordable rate.