Tightwads Guide to Saving on Ogema Car Insurance

Paying for high-priced car insurance can dwindle your savings account and make it impossible to make ends meet. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

Having so many companies to choose from, it can be diffult for consumers to find the most affordable car insurance company.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine your car insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are some of the items that factor into prices.

Lower rates with optional equipment - Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
With age comes lower rates - Young drivers in Wisconsin are known to be careless and easily distracted when driving so car insurance rates are higher. If you've ever had to add a teenage driver onto your car insurance can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
Where you live can impact rates - Residing in small towns and rural areas can save you money when it comes to car insurance. City drivers regularly have traffic congestion and much longer commute distances. Lower population means reduced accidents and a lower car theft rate.
Better credit scores mean better rates - Having a bad credit history is a huge factor in determining what you pay for car insurance. So if your credit rating is not that good, you could save money insuring your by improving your rating. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
Keep rates low by being claim-free - If you file claims often, you can expect either policy cancellation or increased premiums. Companies in Wisconsin provide discounts to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically at quote time, but some may not be applied and must be inquired about in order for you to get them.

Payment Method - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Distant Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Multiple Policy Discount - If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts can receive discounts of 20% or more.
Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To choose insurance companies who offer car insurance discounts in Wisconsin, follow this link.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing about savings after switching your policy. But how can every company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the right customer that makes them money. A good example of a driver they prefer could be between 25 and 40, insures multiple vehicles, and has great credit. A customer who fits that profile is entitled to the best price and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will be quoted more money which usually ends up with business going elsewhere. The ads state "drivers who switch" not "people who quote" save that kind of money. This is how companies can truthfully advertise the savings.

This emphasizes why you should get quotes from several different companies. Because you never know which insurance companies will fit your personal profile best.

How to know if you need help

When buying coverage for your personal vehicles, there really is no best way to insure your cars. Everyone's situation is unique so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation would benefit from an agent's advice.

What can I do if my company won't pay a claim?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
Is rental equipment covered for theft or damage?
Is my dog or cat covered if injured in an accident?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

More sites with car insurance information

Additional information can be read on the website for the Wisconsin Office of the Commissioner of Insurance. Click here for link. Consumers can view a list of available companies, read enforcement actions against agents and companies, view agent and company licensing information, and find out industry alerts.

Other informative sites include this page for car insurance prices in Wisconsin and this list of insurance agents in Ogema, WI.

Affordable insurance is out there

When you buy insurance online, do not buy poor coverage just to save money. There have been many situations where drivers have reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

We just showed you many ways to save on car insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a smaller regional carrier. Some small companies may cover specific market segments cheaper than their larger competitors like .