Car Insurance in Lena, WI - 7 Tips to Save Money

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are many Lena consumers feeling the pinch from expensive car insurance. Lots of contend for your hard-earned dollar, so it can be very hard to choose a to get the lowest price

If you have a current car insurance policy or need new coverage, you can learn to find the best rates and still get good coverage. Finding affordable coverage in Lena is quite easy. Wisconsin drivers only need an understanding of the most effective way to compare rates over the internet.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be asked about before being credited. If they aren't giving you every credit possible, you are throwing money away.

Clubs and Organizations - Belonging to certain professional organizations is a good way to get lower rates when buying car insurance.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
Life Insurance - Larger companies have lower rates if you buy a life insurance policy as well.
Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Paperless Signup - Certain companies will give a small break simply for signing on their website.
New Car Discount - Putting insurance coverage on a new car is cheaper since new cars are generally safer.

It's important to understand that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will cut the amount you have to pay.

Save $429 a year? Really?

Consumers get pounded daily by advertisements that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies make an identical promise of big savings after switching your coverage to them.

How do they all make the same claim?

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a profitable customer could be a mature driver, has no driving citations, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile must pay higher prices and ends up with business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can confidently advertise the way they do.

This illustrates why you should quote coverage with many companies. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Learn more about Wisconsin car insurance

Additional car insurance information can be found on the website for the Wisconsin Office of the Commissioner of Insurance through this link. Consumers can find out which companies have the most complaints, report car insurance fraud, file complaints about an insurance agent or broker, and read consumer alerts.

Best coverage at the best price

Low-cost car insurance can be purchased from both online companies as well as from independent agents in Lena, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed physical damage coverage only to discover later that the savings was not a smart move. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.