6 Discounts Lodi Drivers Forget when Quoting Car Insurance

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of car insurance companies offering coverage in Lodi.

If you are insured now or need new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Shopping for affordable car insurance coverage in Lodi is easy if you know what you're doing. Wisconsin drivers only need an understanding of the tricks to find the lowest price online.

car insurance in Lodi

Don't pay full price with these six discounts

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but less common discounts must be asked for prior to getting the savings. If you aren't receiving every discount you qualify for, you are paying more than you should be.

  • Defensive Driving Course - Taking a defensive driving course can save you 5% or more if your company offers it.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Drivers Ed for Students - Cut your cost by having your teen driver enroll in driver's education in high school.
  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Federal Employees - Employees or retirees of the government can earn a discount up to 10% depending on your company.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Just because you may think you could get a free car insurance policy, companies don't profit that way. Any qualifying discounts will reduce your premiums.

To choose insurers with the best car insurance discounts in Lodi, follow this link.

The car insurance bait and switch

Consumers in Wisconsin can't ignore all the ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing of big savings if you move your policy.

How can each company claim to save you money?

Different companies have a certain "appetite" for the right customer that makes them money. For instance, a profitable customer might be over the age of 50, owns a home, and has great credit. Any new insured who fits that profile gets the lowest rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements must pay a more expensive rate which usually ends up with the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently advertise the savings.

This illustrates why you should quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

Your personal situation dictates your coverage

When buying the best car insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different.

Here are some questions about coverages that might point out whether or not you may require specific advice.

  • Do I really need UM/UIM coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I still get insurance after a DUI?
  • Am I covered if I drive in a foreign country?
  • Do I need PIP (personal injury protection) coverage in Wisconsin?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don't have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Additional car insurance information is located on the Wisconsin Office of the Commissioner of Insurance website located here. Visitors are able to discover disciplinary actions, read consumer alerts, and download brochures.

Lodi car insurance quote

Best coverage at the best price

Cost effective car insurance is possible both online in addition to many Lodi insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, it's not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as questionable increases in premium, policy non-renewal, extreme rates for teen drivers or even unfair underwriting practices. Regardless of your reason, choosing a new insurance company is easier than you think.