Consumer Tested Strategies to Save on Little Chute Auto Insurance

Paying for high-priced auto insurance can take a big chunk out of your checking account and force you to make sacrifices. Comparison shopping is a smart way to slash your bill and have more diposable income.

There are many to buy insurance from, and even though it's nice to be able to choose, it makes it harder to compare rates.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in lower auto insurance prices.

Higher deductibles cost less - Your deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The higher the amount you're willing to pay, the bigger discount you will receive.
Drive less and save money - The higher the mileage driven in a year's time the more you'll pay to insure your vehicle. Most companies price each vehicle's coverage based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle.
Extra coverages can waste money - There are quite a few add-on coverages that you can get tricked into buying if you aren't careful. Coverages for vanishing deductibles, accidental death and motor club memberships are examples of these. These may sound like a good investment when talking to your agent, but if you don't need them eliminate them to save money.
Your spouse saves you money - Having a spouse helps lower the price when buying auto insurance. Having a spouse is viewed as being more responsible it has been statistically shown that married drivers get in fewer accidents.
Choose a safe vehicle and save - Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates.

Compare Auto Insurance Today

Performing a rate comparison can take hours if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in Little Chute, or you can stay home and use the web to achieve your goal.

Most of the larger companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company returns a rated price based on the submitted data. This eliminates the need for quote forms to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one downside to using this type of system is you are unable to specify which providers you want pricing from. If you wish to select specific providers to compare, we put together a list of the cheapest auto insurance companies in Wisconsin. Click here to view list.

It doesn't matter which method you choose, just make sure you use identical coverage limits on every quote. If each company quotes differing limits you will not be able to make a fair comparison in Little Chute. Just a small difference in coverages can make a big difference in price. And when comparing auto insurance rates, know that quoting more helps locate better pricing.

Be sure to get all your discounts

Companies offering auto insurance don't list all available discounts very clearly, so we took the time to find some of the best known and the harder-to-find auto insurance savings.

Multiple Cars - Buying insurance for all your vehicles with the same company qualifies for this discount.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Fewer Miles Equal More Savings - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Own a Home - Owning a home in Little Chute may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
Military Rewards - Having a deployed family member could be rewarded with lower premiums.
Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

To choose insurers with discount auto insurance rates in Wisconsin, follow this link.

Is there truth in advertising?

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies say the same thing about savings if you change to them. How does each company say the same thing? This is how they do it.

All companies have a preferred profile for the type of driver that makes them money. For example, a profitable customer might be profiled as a mature driver, has no prior claims, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards must pay higher rates which usually ends up with business not being written. The ad wording is "drivers who switch" but not "drivers who get quotes" save money. This is how companies can truthfully advertise the savings. This illustrates why you need to get a wide range of price quotes. It's not possible to predict which insurance companies will give you the biggest savings.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Every insured's situation is different and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you would benefit from professional advice.

Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Is my vehicle covered for flood damage?
Does my policy cover my teen driver if they drive my company car?
Do I have coverage when using my vehicle for my home business?
Can I rate high risk drivers on liability-only vehicles?
Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions, you may need to chat with an 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.

Even more information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin drivers can report car insurance fraud, file complaints about an insurance agent or broker, discover disciplinary actions, and get help finding coverage.

Do the work, save more money

Cheaper auto insurance is attainable on the web and with local Little Chute insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, never reduce coverage to reduce premium. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.