Top 6 Ways to Save on Car Insurance in New Auburn, WI

Saving money on New Auburn car insurance is a challenge for beginners to buying insurance online. Consumers have so many choices that it can turn into a big hassle to locate the lowest price in New Auburn.

It's important to price shop coverage before your policy renews since rates are constantly changing. Even if you think you had the lowest price two years ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to how to quote online to find great coverage at a great price.

If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. The purpose of this article is to let you in on the best way to quote coverages and some tips to save money. Although Wisconsin car owners do need to know the way insurance companies market insurance on the web because it can help you find the best coverage.

Save big with these six discounts

Car insurance companies do not list every available discount in an easy-to-find place, so we researched some of the more common and the more hidden savings tricks you should be using.

Multi-policy Discount - When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
No Claims - Claim-free drivers pay much less compared to bad drivers.
Low Mileage - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Multiple Cars - Insuring all your vehicles on the same car insurance policy could earn a price break for each car.
Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky.

To see a list of providers with discount car insurance rates in New Auburn, click here to view.

Compare New Auburn Car Insurance Costs

There are several ways to compare rate quotes and find the best price. The best method to compare insurance prices is to perform an online rate comparison. This can be done in several different ways.

The best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This easy form eliminates the need for multiple quote forms for each company. In just a few minutes this one form will get you price quotes from multiple low-cost companies. This is perfect if you don't have a lot of time.
A different way to get quotes online requires a visit to the website for each individual company and fill out their own quote form. For examples sake, let's say you want rates from , and . You would have to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in New Auburn, click here.

It's your choice how you get your quotes, but ensure you're using the exact same coverage limits for every quote you compare. If the quotes have differing limits it will be next to impossible to determine the best price in New Auburn. Quoting even small variations in coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices will enable you to find better pricing.

Car insurance ads bend the truth

Companies like Allstate and Progressive consistently run ads on TV and radio. All the ads make an identical promise about savings if you change your policy. How do they all make the same claim?

Different companies can use profiling for the right customer that is profitable for them. For instance, a preferred risk could be a mature driver, is a homeowner, and chooses high deductibles. Any new insured who meets those qualifications will get the preferred rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will be charged higher prices and ends up with business going elsewhere. The ads state "people who switch" not "people who quote" save that kind of money. That's why companies can truthfully state the savings. That is why drivers must get as many comparisons as possible. It's just too difficult to predict the company that will give you the biggest savings.

The best insurance company isn't always the cheapest

When buying insurance coverage, never reduce coverage to reduce premium. Too many times, an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

People leave their current company for many reasons like policy non-renewal, high rates after DUI convictions, delays in responding to claim requests or lack of trust in their agent. Whatever your reason, finding the right car insurance provider is actually quite simple.

The cheapest car insurance is attainable from both online companies in addition to many New Auburn insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Even more information is located at the Wisconsin Office of the Commissioner of Insurance website. Consumers can read consumer alerts, read industry bulletins, and find disaster information.