8 Tricks to Save on Car Insurance in Mequon
Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, many Mequon consumers feel financially strained by their car insurance policy. Drivers have multiple to buy insurance from, and although it's a good thing to have a choice, it can be more challenging to compare rates.
It's important to take a look at other company's rates every six months since rates are constantly changing. Despite the fact that you may have had the best deal a few years ago you may be paying too much now. So just block out anything you think you know about car insurance because we're going to show you the only way to reduce your cost while increasing coverage.
Buying affordable protection in Mequon is simple if you know the tricks. If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Wisconsin drivers only need an understanding of the most effective way to compare prices over the internet.
Comprehensive Mequon Car Insurance Comparison
Effectively comparing car insurance prices can take time and effort if you don't know the most efficient way to do it. You could spend your day driving to insurance agencies in Mequon, or you can stay home and use online quoting to quickly compare rates.
All the larger companies enroll in a system that allows shoppers to send in one quote, and every company can give them a price based on that data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.
To submit your quote information now, click here (opens in new window).
The only drawback to using this type of form is you are unable to specify which companies you want to price. If you prefer to choose individual companies to compare, we have a listing of the cheapest car insurance companies in Wisconsin. Click to view list.
It's up to you how you get prices quotes, just ensure you are comparing identical coverage information with each company. If you have unequal deductibles or liability limits it will be very difficult to make an equal comparison in Mequon.
How much can you save with these eight discounts?
Car insurance is not cheap, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount. If you're not getting every credit possible, you're just leaving money on the table.
- Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
- Resident Student - Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
- Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
- Driver Safety - Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
- Payment Method - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Club Memberships - Belonging to a qualifying organization could trigger savings on your policy.
- Early Switch Discount - Select companies give a discount for switching to them before your current policy expires. It's a savings of about 10%.
It's important to understand that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates you could get a free car insurance policy, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.
For a list of providers who offer car insurance discounts in Wisconsin, click this link.
Additional car insurance information is available on the website for the Wisconsin Office of the Commissioner of Insurance. Click here for link. Consumers can read consumer alerts, report car insurance fraud, read enforcement actions against agents and companies, and discover disciplinary actions.
Best coverage at the best price
As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.
Low-cost car insurance can be bought from both online companies and also from your neighborhood Mequon agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and many times these smaller companies only sell through independent insurance agents.
You just learned some good ideas how to lower your car insurance rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with a smaller regional carrier. Smaller companies can often provide lower rates in certain areas compared to the large companies like .
