How to Know You're Spending Too Much for Auto Insurance in Merrill

Having to pay for overpriced auto insurance can empty your personal savings and force you to prioritize other expenses. Comparison shopping is a smart way to cut your insurance bill.

Because there are so many choices of insurance companies, it can be challenging to pick the lowest cost car insurance company.

It's important to compare rates quite often because prices are constantly changing. If you had the best price a few years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you're about to learn the fastest and easiest way to properly buy coverages while reducing your premium.

Finding the best rates in Merrill is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Although Wisconsin drivers do need to know how companies market on the web and apply this information to your search.

Merrill auto insurance quote

Free Merrill Auto Insurance Quotes

Most companies provide prices on the web. This process is quite easy as you simply enter your coverage information as detailed in the form. When the form is submitted, the company's rating system will obtain your driving and credit reports and gives you a price quote based on these and other factors. This simplifies rate comparisons, but the process of having to visit different websites and enter the same data into a form is not the best way to spend an afternoon. But it's very important to have as many quotes as possible if you want to find better auto insurance pricing.

A quicker way to locate the lowest prices uses one form to return rates from several different companies. The form is fast, eliminates repetitive work, and makes online shopping much easier to do. After sending the form, it gets priced and you are able to buy any or none of the quotes returned. If you find a better price you can click and sign and buy the policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you copy the limits and deductibles as close as possible to your current policy. This ensures you will be getting a price comparison for similar insurance coverage.

These discounts can lower your rates

Companies don't always advertise every available discount very well, so we took the time to find both well-publicized and also the lesser-known auto insurance savings.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Save over 55 - Mature drivers can possibly qualify for better auto insurance rates.
  • Government Employees - Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • No Accidents - Drivers who don't have accidents can save substantially compared to bad drivers.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of providers with the best auto insurance discounts in Wisconsin, follow this link.

Different people need different coverages

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you would benefit from an agent's advice.

  • Do I need PIP (personal injury protection) coverage in Wisconsin?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?
  • Can I still get insurance after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

More sites with auto insurance information

Even more information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can read consumer alerts, learn about insurance regulations, download brochures, and report car insurance fraud.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Merrill insurance agents.