Find Cheap Kenosha Car Insurance

Price shopping your Kenosha car insurance is hard for consumers not familiar with comparing rates online. There are so many options available that it can turn into more work than you anticipated to compare prices in Kenosha.

It's important to take a look at other company's rates before your policy renews due to the fact that insurance rates are constantly changing. Even if you got the best price on your last policy you can probably find a better price now. Block out anything you think you know about car insurance because we're going to demonstrate the only way to lower your rates without sacrificing coverage.

Finding the best rates in Kenosha is quite easy. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Nevertheless, Wisconsin consumers do need to know the way companies price online insurance and apply this information to your search.

Kenosha Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for car insurance. Knowing what determines base rates enables informed choices that may reward you with lower car insurance prices.

Listed below are a few of the "ingredients" car insurance companies consider when setting rates.

  • Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Women and men are in accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high car insurance rates.
  • An active claims history can cost you - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Wisconsin provide lower rates to policyholders who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Credit scores impact car insurance rates - Credit score is a important factor in your rate calculation. If your credit score is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
  • More people means more accidents - Being located in a rural area can be a good thing when talking about car insurance. City drivers regularly have much more traffic and longer commute times. Less people living in that area translates into fewer accidents.
  • With age comes lower rates - Youthful drivers in Wisconsin are statistically proven to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • More than one policy can earn a discount - Most companies will give a discount to insureds who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to ensure the best deal. You may still be able to find better rates by buying car insurance from a different company.
  • Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply would be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Save money with special equipment - Driving a car with an alarm system can get you a discount on your car insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.

Kenosha car insurance comparison

These discounts can lower your rates

Companies don't list all their discounts very clearly, so we took the time to find both the well known as well as the least known car insurance savings.

  • Senior Citizens - If you're over the age of 55, you may qualify for better car insurance rates.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Discount for Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.
  • College Student - Children who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Multi-car Discount - Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.

It's important to understand that most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, it doesn't quite work that way.

To choose companies offering car insurance discounts in Wisconsin, follow this link.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to say the same thing of big savings if you switch to their company. How does each company claim to save you money?

All companies can use profiling for the driver that makes them money. For example, a desirable insured might be between the ages of 30 and 50, is a homeowner, and has great credit. Any driver who fits that profile is entitled to the best price and as a result will probably save when switching.

Potential insureds who are not a match for these standards will have to pay more money which usually ends up with the customer not buying. The ads state "customers that switch" not "everybody who quotes" save that much. That's why insurance companies can confidently advertise the savings. Because of the profiling, you should compare many company's rates. You cannot predict the company that will fit your personal profile best.

More tips and info about car insurance can be found at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to learn about insurance regulations, download brochures, and find out industry alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Kenosha.

Shop smart and save

When you buy insurance online, make sure you don't buy poor coverage just to save money. There are many occasions where an accident victim reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at a price you can afford.

Consumers switch companies for a number of reasons such as denial of a claim, extreme rates for teen drivers, policy cancellation or even delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

Low-cost car insurance can be found both online and also from your neighborhood Kenosha agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.