Free Guide to Spending Less for Montreal Auto Insurance Online

No one in their right mind enjoys paying for auto insurance, especially knowing the cost is way too high. Having so many online and local companies to choose from, it can be diffult for consumers to locate the cheapest company.

This article will introduce you to how to effectively get price quotes. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Wisconsin vehicle owners just need to know the most efficient way to find the lowest price over the internet.

Don't pay full price with these discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Certain discounts will be applied at quote time, but less common discounts must be asked about in order for you to get them. If you don't get every credit you qualify for, you are throwing money away.

Driver Safety - Completing a course teaching defensive driving skills can save you 5% or more if you qualify.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
Accident Forgiveness - Some insurance companies will forgive one accident before your rates go up so long as you haven't had any claims prior to the accident.
Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
Seat Belts Save more than Lives - Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
Federal Employees - Active or retired federal employment can save as much as 8% depending on your company.
Auto/Home Discount - If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
New Vehicle Savings - Adding a new car to your policy is cheaper since new cars are generally safer.
Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.

Consumers should know that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way. But all discounts will help reduce your premiums.

Understand what determines the rate you pay

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in lower auto insurance prices.

The following are a few of the "ingredients" that factor into premiums.

Do you need those extra coverages? - There are a ton of additional coverages that you can get tricked into buying if you aren't careful. Things like personal injury protection, accidental death and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so remove them from your policy.
One company can mean more discounts - Many auto insurance companies will award you with lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to confirm you are receiving the best rates possible.
Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men cause accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
Clean credit earns discounts - A driver's credit history is a important factor in determining your rates. Therefore, if your credit is not that good, you could potentially save money when insuring your by improving your rating. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit scores.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone's situation is a little different so this has to be addressed. Here are some questions about coverages that might point out whether or not you might need an agent's assistance.

Do I really need UM/UIM coverage?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered if I drive in a foreign country?
Am I covered when driving in Canada or Mexico?

If it's difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

The auto insurance bait and switch

Wisconsin drivers get pounded daily by advertisements for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies make the same claim that you'll save big after switching your policy.

But how can every company say the same thing?

All companies have a certain "appetite" for the right customer that earns them a profit. For example, a profitable customer might be profiled as between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile must pay more money which leads to business not being written. The ad wording is "customers that switch" not "everyone that quotes" save that kind of money. That is how companies can advertise the way they do.

This illustrates why drivers should get quotes from several different companies. It's not possible to predict which company will provide you with the cheapest rates.

For more Wisconsin car insurance information

Much more information about auto insurance in Wisconsin can be found on the website for the Wisconsin Office of the Commissioner of Insurance located here. Wisconsin drivers can discover disciplinary actions, read consumer alerts, learn about insurance regulations, and find out industry alerts.

Also read more on this resource for Wisconsin auto insurance prices and this link which helps you find a Montreal agent.

Best coverage at the best price

Discount auto insurance can be sourced on the web in addition to many Montreal insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where an insured cut physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented many ideas to reduce auto insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest rates come from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .