8 Simple Tricks to Slash Car Insurance Costs in Minong

I can't think of a single person who looks forward to paying for car insurance, especially when they are paying too much. Big-name insurance companies like GEICO and Progressive persitently shower you with advertising and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates and still get good coverage. Finding affordable coverage in Minong is easy if you know what you're doing. Wisconsin vehicle owners just need to know the most effective way to compare rates on the web.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list every discount in a way that's easy to find, so here is a list some of the more common and the more hidden ways to save on car insurance. If you aren't receiving every discount you qualify for, you're paying more than you need to.

Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.
Good Student - A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
Memberships - Belonging to a civic or occupational organization could trigger savings when shopping for car insurance.
Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
Homeowners Savings - Simply owning a home may earn you a small savings because maintaining a house requires personal responsibility.
Air Bag Discount - Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
Low Mileage Discounts - Low mileage vehicles can qualify you for better rates on cars that stay parked.

Consumers should know that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurance companies with discount car insurance rates in Minong, click this link.

Car Insurance Comparison Rates in Minong, WI

Finding cheaper car insurance prices isn't really that difficult. Consumers just need to take time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The best way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form eliminates the need for boring form submissions for each company you want a rate for. Just one form gets you price quotes from all major companies.
A different way to shop for car insurance online requires a trip to the website of each company and request a quote. For instance, we'll pretend you want to compare , and . To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method.

For a list of links to companies insuring cars in Minong, click here.
The hardest method of getting rate comparisons is driving to different Minong agent offices. Shopping for car insurance online has reduced the need for local agents unless you prefer the personal advice that only a license agent can provide. Drivers can obtain prices from the web but buy from a local insurance agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just be sure to compare exactly the same quote information with every price quote. If you are comparing mixed coverages it will be next to impossible to find the best deal in Minong.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Each situation is unique so this has to be addressed. For example, these questions may help highlight whether your personal situation would benefit from professional advice.

Do I have coverage when using my vehicle for my home business?
Why am I required to buy high-risk coverage?
Do I qualify for additional discounts?
Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
When do I need to add a new car to my policy?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Save $429 a year? Really?

Consumers can't get away from ads for cheaper car insurance from the likes of State Farm, Allstate and GEICO. They all make the same claim that you'll save big if you change your coverage to them.

How can each company make the same claim?

Insurance companies have a certain "appetite" for the type of customer that is profitable for them. An example of a driver they prefer could be a mature driver, a clean driving record, and has a high credit rating. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted a more expensive rate which leads to business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That is how companies can state the savings. This emphasizes why drivers must get as many quotes as possible. It's just too difficult to predict which company will have the lowest rates.

In the end, you save

You just learned some good ideas how to compare car insurance prices online. It's most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with a company that doesn't do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

Discount car insurance can be sourced from both online companies as well as from independent agents in Minong, and you need to price shop both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and these smaller companies work with independent agents.

Additional Wisconsin consumer information

More detailed Wisconsin car insurance information is available at the Wisconsin Office of the Commissioner of Insurance website. Consumers can find disaster information, file complaints about a company, find out which companies have the most complaints, and download brochures.