Car Insurance in New Lisbon Wisconsin - 6 Tips to Save Money

Finding affordable New Lisbon car insurance on the internet can be problematic for consumers not familiar with shopping for insurance online. With a ridiculous number of insurance companies available, how can you have a chance to compare every company to locate the best available price?

How to Get Cheap Car Insurance in New Lisbon, WI

Most companies like Allstate, GEICO and Progressive allow you to get coverage price quotes online. Getting quotes is fairly simple as you just enter your required coverages as detailed in the form. When the form is submitted, their rating system will obtain your driving record and credit report and provides a quote.

Being able to quote online streamlines rate comparisons, but the work required to visit multiple sites and complete many quote forms is repetitive and time-consuming. But it's very important to perform this step in order to find better car insurance pricing.

A quicker way to compare car insurance pricing is to use a quote form to get prices from many companies. The form is fast, requires less work, and makes quoting online much easier. As soon as the form is sent, it is rated and you can select any one of the quotes returned.

If you find a better price you can simply submit the application and buy the policy. The entire process only takes a few minutes and could lower your rates considerably.

To find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it's recommended you input coverages and limits exactly as shown on your declarations page. This ensures you will receive a rate comparison for similar insurance coverage.

These six discounts can lower your rates

Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but some must be specially asked for before they will apply.

  • Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Student in College - Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Auto/Home Discount - When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.

It's important to note that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you're out of luck. But any discount will bring down the cost of coverage.

To see a list of insurers who offer car insurance discounts in Wisconsin, follow this link.

Different people need different coverages

When choosing proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Every situation is different.

For instance, these questions can help discover whether you might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • What are Wisconsin no-fault laws?
  • Is my nanny covered when driving my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

Learn more about car insurance in Wisconsin

More information is available on the Wisconsin Office of the Commissioner of Insurance website found here. Consumers can report car insurance fraud, view agent and company licensing information, and read enforcement actions against agents and companies.