Find Cheaper Neenah Car Insurance

Are you intimidated by the number of car insurance options in Neenah? You're not the only one! You have so many options available that it can turn into a real challenge to compare prices.

It's important to compare prices every six months because rates are constantly changing. Even if you think you had the best deal a couple years back a different company probably has better rates today. Starting right now, block out anything you think you know about car insurance because you're going to learn the proper way to find lower rates on car insurance.

If you have a policy now or need new coverage, you can learn to find the best rates and still get good coverage. Buying the cheapest car insurance in Neenah is simple if you know the tricks. Wisconsin consumers only need to know the proper methods to compare rates on the web.

Policy discounts you shouldn't miss

Auto insurance companies don't necessarily list every available discount in an easy-to-find place, so here is a list some of the more common and the more hidden discounts you could be receiving. If they aren't giving you every credit possible, you are throwing money away.

  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Clubs and Organizations - Belonging to certain professional organizations may earn a discount on your policy.
  • Low Mileage - Low mileage vehicles can qualify you for a substantially lower rate.
  • Homeowners Discount - Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Multiple Cars - Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Multi-policy Discount - If you have multiple policies with one company you may save up to 20% off your total premium.
  • Claim Free - Drivers with accident-free driving histories can earn big discounts compared to drivers who are more careless.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

Wisconsin car insurance

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the factors that play a part in calculating your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

  • How's your driving record? - Your driving record impacts your car insurance rates tremendously. Drivers who don't get tickets receive lower rates than their less careful counterparts. Even a single moving violation can bump up the cost forty percent or more. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Don't skimp on liability - Your policy's liability coverage provides coverage in the event that you are found to be at fault for personal injury or accident damage. It provides legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Safe vehicles cost less to insure - Cars with high safety ratings get lower rates. Safer cars protect occupants better and fewer injuries means lower claim amounts and lower rates for you.
  • Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are colliding with a building, damage caused by hail, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money you have to pay, the less your car insurance will be.
  • Older drivers pay less - Older insureds tend to be more responsible, tend to file fewer claims and are safer drivers. Young drivers have a tendency to be more careless when behind the wheel therefore car insurance rates are much higher.
  • Your stress level may be raising your rates - Occupations like doctors, social workers and accountants have higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations like actors, athletes and retirees get better rates.

Save $429 a year? Really?

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm and Allstate. All the ads have a common claim about savings if you change your coverage to them.

How do they all make the same claim?

All companies are able to cherry pick for the type of customer that earns them a profit. An example of a preferred risk could be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will be charged a higher premium and this can result in business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully advertise the way they do. That is why drivers should quote coverage with many companies. Because you never know which car insurance company will provide you with the cheapest rates.

Learn more about Wisconsin car insurance

Even more information is available at the Wisconsin Office of the Commissioner of Insurance website. Consumers can file complaints about a company, find out which companies have the most complaints, and find disaster information.

A tidy conclusion

We just showed you a lot of techniques to reduce car insurance prices online. It's most important to understand that the more you quote, the better likelihood of reducing your rate. Drivers may discover the best prices are with a company that doesn't do a lot of advertising.

The cheapest car insurance is attainable from both online companies as well as from independent agents in Neenah, so compare prices from both to have the best selection. Some car insurance companies don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.