Comparison Shop Montello Auto Insurance Prices With These Methods

Shopping for affordable Montello auto insurance online is somewhat difficult for consumers not familiar with comparing rates online. With so many choices of companies competing online, how can you even start to compare every company to locate the lowest price?

It's important to get comparison quotes yearly because prices are constantly changing. Just because you found the lowest rates two years ago there is a good chance you can find better rates now. So ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to save on auto insurance.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.

Shown below are a few of the "ingredients" that factor into your rates.

Clean credit earns discounts - Your credit score is a important factor in determining what you pay for auto insurance. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores. If your credit history is low, you could save money insuring your by improving your credit score.
Proper usage rating affects rates - The higher the mileage driven in a year's time the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle.
Liability coverage protects you - Your policy's liability coverage is the protection in the event that a court rules you are at fault for damages caused by your negligence. It provides for a legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.
Do you work long hours in a high stress job? - Occupations like lawyers, social workers and dentists are shown to have the highest average rates because of high stress levels and lengthy work days. Other occupations like pilots, historians and retirees pay the least.
Policy add-ons can waste money - There are quite a few add-on coverages you can purchase on your auto insurance policy. Insurance for vanishing deductibles, better glass coverage and membership fees are some examples. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.

Compare Auto Insurance Today

There are several ways to compare auto insurance quotes, but one way is more efficient than others. You can spend your afternoon talking to agents in Montello, or you could save time and use the web to get rate comparisons in just a few minutes.

Most of the larger companies participate in a marketplace that allows shoppers to enter their policy data once, and at least one company can give them a price. This prevents consumers from doing form submissions to each individual auto insurance company.

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

The only drawback to getting quotes like this is that you can't choose which providers you want to price. If you wish to select specific providers for rate comparison, we put together a list of auto insurance companies in Wisconsin. Click here to view list.

However you get your quotes, make sure you use exactly the same quote information for each comparison quote. If you are comparing mixed coverages it's impossible to determine the lowest rate in Montello. Slightly different coverages could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons will improve the odds of getting a better price.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise every available discount in a way that's easy to find, so we break down both well-publicized as well as the least known discounts you could be receiving.

Anti-lock Brakes - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Life Insurance Discount - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
Organization Discounts - Participating in a civic or occupational organization may earn a discount on your policy.
No Claims - Drivers who don't have accidents can save substantially compared to accident-prone drivers.
Safety Course Discount - Completing a course in driver safety could cut 5% off your bill if your company offers it.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, auto insurance companies aren't that generous.

To choose providers with discount auto insurance rates in Montello, click here.

Is there truth in advertising?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads have a common claim about savings if you change your policy. How can each company make almost identical claims?

All companies have a preferred profile for the right customer that makes them money. For example, a preferred risk could possibly be over the age of 40, has no prior claims, and chooses high deductibles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will be charged higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully state the savings. That is why you need to get as many quotes as possible. It's impossible to know which insurance companies will give you the biggest savings.

How do I know if I need professional advice?

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone's situation is a little different.

For example, these questions can help discover whether or not you could use an agent's help.

Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Do I qualify for additional discounts?
Will I be non-renewed for getting a DUI or other conviction?
Are there companies who specialize in insuring high-risk drivers?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered when driving on a suspended license?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Even more information can be found at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can find out industry alerts, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Do the work, save more money

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. Too many times, consumers will sacrifice uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Cheap auto insurance can be sourced online in addition to many Montello insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Drivers leave their current company for a number of reasons such as policy cancellation, delays in paying claims, questionable increases in premium or even high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is easier than you think.