Best Way to Find Low-Cost Monticello Car Insurance

Buying the most affordable Monticello car insurance online may be intimidating for beginners to comparing rates online. Since there are so many online companies available, how can consumers have a chance to compare every one to find the best pricing?

It's important to check car insurance prices yearly since rates are constantly changing. Just because you had the best price last year a different company probably has better rates today. Ignore everything you know about car insurance because you're about to learn the proper way to reduce your cost while improving coverage.

Finding the best rates in Monticello is easy if you know what you're doing. If you have insurance now or need a new policy, you can learn to get lower rates while maintaining coverages. Wisconsin vehicle owners just need to know the tricks to buy car insurance online.

Are you getting all your discounts?

Companies don't list all their discounts very well, so we took the time to find both the well known as well as the least known discounts you could be receiving. If you don't get every credit you deserve, you are throwing money away.

Life Insurance Discount - Select insurance companies reward you with a break if you buy auto and life insurance together.
Bundle and Save - If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
Government Employees - Active or retired federal employment may qualify you for a discount with select insurance companies.
Passive Restraint Discount - Factory air bags or automatic seat belts can receive discounts of more than 20%.
Own a Home - Owning a house in Monticello can save you money because owning a home is proof that your finances are in order.
Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
Military Rewards - Being deployed with a military unit could mean lower rates.

Drivers should understand that some credits don't apply to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, companies wouldn't make money that way.

What determines how much you pay?

Smart consumers have a good feel for the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with big savings.

Your location affects your rates - Residing in less populated areas can be a good thing when talking about car insurance. Urban drivers tend to have much more traffic and longer commute times. Less people living in that area means fewer accidents.
Poor driving leads to higher costs - Good drivers have lower premiums than bad drivers. Even a single ticket can increase rates by as much as thirty percent. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
Older drivers pay less - Youthful drivers in Wisconsin are statistically proven to be more careless when driving so car insurance rates are higher. Having to add a youthful driver to your policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
High numbers of claims are not good - If you tend to file frequent claims, you can expect higher rates. Car insurance companies in Wisconsin generally give discounts to people who file claims infrequently. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
Proper usage rating affects rates - The more miles you rack up on your car in a year's time the more you will pay for car insurance. Most companies charge to insure your cars based on how the vehicle is used. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your car insurance policy properly reflects how each vehicle is driven.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's situation is a little different.

For instance, these questions can help discover whether you may require specific advice.

When does my teenage driver need to be added to my policy?
What are the best liability limits?
Does my car insurance cover rental cars?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need to file an SR-22 for a DUI in Wisconsin?
Am I covered when driving in Canada or Mexico?
Do I have coverage for damage caused while driving under the influence?

If you can't answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers in Wisconsin get pounded daily by advertisements for car insurance savings by companies like GEICO, State Farm and Progressive. They all seem to have a common claim that you'll save big if you switch to them.

But how can every company claim to save you money?

All the different companies have a preferred profile for the type of driver that earns them a profit. For example, a desirable insured might be over the age of 50, has no prior claims, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will have to pay higher rates and this can result in the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save money. This is how companies can advertise the savings. Because of the profiling, drivers should get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

Learn more about car insurance in Wisconsin

More detailed Wisconsin car insurance information can be found at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to view agent and company licensing information, file complaints about a company, and read enforcement actions against agents and companies.

Also read more on Wikipedia and this page where you can research Monticello insurance agents.

A tidy conclusion

As you prepare to switch companies, do not skimp on coverage in order to save money. In many instances, consumers will sacrifice physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

We just covered a lot of ways to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the biggest savings come from some of the lesser-known companies.

Drivers switch companies for a number of reasons such as delays in paying claims, policy non-renewal, high prices and even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.