How to Know You're Paying Too Much for Auto Insurance in Kewaskum

No one in their right mind likes having to buy auto insurance, in particular when the cost is way too high. Consumers have many to pick from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates.

How much can you save with discounts?

Companies that sell car insurance don't always advertise all available discounts very clearly, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving. If you're not getting every credit you qualify for, you are throwing money away.

Defensive Driving Course - Successfully completing a course in driver safety can save you 5% or more if you qualify.
Passive Restraints - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
Federal Employees - Active or retired federal employment could cut as much as 10% off depending on your company.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.
Save over 55 - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

A little note about advertised discounts, some credits don't apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

You have some control over your rates

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

Little extras can really add up - There are a lot of additional coverages that you can get tricked into buying on your auto insurance policy. Coverages for vanishing deductibles, accidental death and term life insurance are some examples. These may sound like a good investment initially, but if they're wasting money eliminate them to save money.
How credit affects auto insurance rates - A driver's credit rating is a big factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower credit scores. If your credit history can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
Keep rates low by being claim-free - Auto insurance companies in Wisconsin generally give lower rates to insureds who are claim-free. If you file claims often, you can expect higher rates. Your insurance policy is designed for larger claims.
Please use or commuting - The more you drive each year the more you'll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance policy shows the correct driver usage.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Your needs are not the same as everyone else's and your policy should reflect that. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Should I rate my vehicle as pleasure use or commute?
When does my teenage driver need to be added to my policy?

If you can't answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Wisconsin consumers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. All the companies have a common claim about savings if you move to their company.

How does each company make almost identical claims? It's all in the numbers.

Insurance companies have a certain "appetite" for the driver that earns them a profit. For example, a profitable customer could possibly be a mature driver, a clean driving record, and has excellent credit. A driver that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards must pay higher prices and this can result in the driver buying from a lower-cost company. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully make those claims. This illustrates why drivers should get quotes from several different companies. It is impossible to predict which company will have the lowest rates.

Additional Wisconsin consumer information

Even more information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can discover disciplinary actions, find out industry alerts, download brochures, and file complaints about an insurance agent or broker.

Also read more on this resource for Wisconsin auto insurance prices and this link which helps you find a Kewaskum agent.

A tidy conclusion

Cheaper auto insurance is definitely available online and also from your neighborhood Kewaskum agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we presented a lot of ways to reduce auto insurance prices online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a small mutual company. Regional companies may cover specific market segments cheaper compared to the large companies like .