Tightwads Tips for Saving on Juda Auto Insurance

Are you tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other Wisconsin consumers.

You have so many to buy insurance from, and although it's nice to have a selection, lots of choices makes it harder to compare rates.

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Most are applied at the time you complete a quote, but some may not be applied and must be asked for prior to getting the savings.

Lower Rates for Military - Being deployed with a military unit could be rewarded with lower premiums.
Claim Free - Claim-free drivers pay less when compared with bad drivers.
Multiple Cars - Buying coverage for all your vehicles on the same auto insurance policy qualifies for this discount.
Save over 55 - Mature drivers may receive a small decrease in premiums.
Memberships - Participating in a qualifying organization may earn a discount when buying auto insurance.
Fewer Miles Equal More Savings - Low mileage vehicles could qualify for a substantially lower rate.

As a disclaimer on discounts, some credits don't apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

To see a list of insurers with discount auto insurance rates in Wisconsin, click here.

Comparison of Auto Insurance in Juda

Most companies like 21st Century, Allstate and State Farm provide coverage price quotes on their websites. This process is fairly simple as you just enter as detailed in the form. Once you submit the form, the company's rating system will obtain your driving and credit reports and returns a price determined by many factors. Being able to quote online streamlines rate comparisons, but having to visit several different sites and complete many quote forms is monotonous and tiresome. But it's very important to do this if you want to find the best price on auto insurance.

The preferred way to lower your auto insurance bill uses one form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes rate comparisons a little more enjoyable. After sending your information, it gets priced with multiple companies and you can pick any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase the new policy. The whole process can be completed in a matter of minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in the coverages identical to your current policy. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Tips to Get Lower Juda Rates

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are some of the items used by your company to calculate premiums.

Safer cars are cheaper to insure - Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Do you work long hours in a high stress job? - Occupations such as real estate brokers, social workers and financial analysts have higher average rates in part from high stress levels and long work days. Conversely, occupations such as farmers, engineers and retirees get better rates.
Bump up deductibles to save - The deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be colliding with a building, damage from fire, and burglary. The more expense you have to pay, the less your company will charge you for insurance.
Mature drivers pay less - Teen drivers in Wisconsin have a tendency to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets.
Liability coverage protects you - Your policy's liability coverage will protect you if a court rules you are at fault for personal injury or accident damage. Liability provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Do you need those extra coverages? - There are quite a few extra bells and whistles that you can get tricked into buying on your auto insurance policy. Coverages for rental car reimbursement, accidental death and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.
Equipment add-ons that lower auto insurance rates - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Big city or small town - Being located in small towns and rural areas is a positive aspect when insuring your vehicles. Urban drivers have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and a lower car theft rate.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies have a common claim about savings if you change your coverage to them. How does each company make almost identical claims? This is how they do it.

Insurance companies can use profiling for the type of customer that is profitable for them. A good example of a profitable customer could possibly be over the age of 40, is a homeowner, and has great credit. A customer getting a price quote that hits that "sweet spot" will get very good rates and as a result will probably save when switching.

Potential customers who are not a match for these standards must pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ads say "drivers who switch" not "everybody who quotes" save that much money. That's why companies can truthfully advertise the savings.

This illustrates why drivers must get quotes from several different companies. It's impossible to know the company that will give you the biggest savings.

The best insurance company isn't always the cheapest

Cheap auto insurance can be sourced online as well as from independent agents in Juda, and you need to comparison shop both to have the best rate selection. There are still a few companies who don't offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Learn more today

Additional information can be read on the website for the Wisconsin Office of the Commissioner of Insurance. Click here for link. Wisconsin consumers can find disaster information, read industry bulletins, report car insurance fraud, and read enforcement actions against agents and companies.