Getting Low-Cost Peshtigo Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you you're not alone.

With so many choices, it is hard for the average consumer to pick the lowest cost car insurance company.

Save big with these discounts

Insuring your fleet can be pricey, but companies offer discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but some may not be applied and must be inquired about before you will receive the discount.

Driver's Ed - Have your child successfully complete driver's ed class in high school.
Military Discounts - Having a deployed family member can result in better rates.
Federal Government Employee - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
Passive Restraints - Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
No Claims - Drivers with accident-free driving histories pay less when compared to bad drivers.
More Vehicles More Savings - Insuring multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

To see a list of insurance companies with the best auto insurance discounts in Wisconsin, follow this link.

Quick Peshtigo Auto Insurance Quotes

There are several ways of comparing rate quotes from auto insurance companies in your area. The best method to find the cheapest insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

The best way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quote forms to each individual auto insurance company. Completing one form gets you coverage quotes from many national carriers.
A less efficient way to get quotes online consists of going to the website of each company to complete a price quote. For sake of this example, let's assume you want to compare rates from , and . To find out each rate you need to spend time on each company's site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Peshtigo, click here.

It doesn't matter which method you choose, just compare apples-to-apples coverages with each company. If each company quotes different limits and deductibles on each one you can't possibly make an equal comparison in Peshtigo. Just a small difference in coverages could mean much higher rates. Just keep in mind that having more price comparisons gives you a better chance of getting lower pricing.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to big savings.

The list below includes some of the items that factor into prices.

Save money with special equipment - Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Choose a safe vehicle and save - Vehicles with good safety scores are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
High numbers of claims are not good - Companies in Wisconsin provide discounts to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on higher rates. Insurance coverage is designed for the large, substantial claims.
Traffic violations increase rates - A bad driving record has a big impact on rates. Even one ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates than people who have multiple driving citations. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.
Rates may be higher depending on your occupation - Careers like real estate brokers, architects and stock brokers are shown to have the highest rates due to high stress levels and lots of time spent at work. On the other hand, professions such as actors, students and the unemployed pay the least.
Liability coverage protects you - The liability section of your policy provides coverage when a court rules you are at fault for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
Men fork out a little more - Statistics demonstrate women tend to be less risk to insure than men. However, don't assume that men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as DWI and reckless driving.

Auto insurance ads bend the truth

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing about savings if you move your policy. But how can every company make almost identical claims? It's all in the numbers.

All the different companies are able to cherry pick for the right customer that is profitable for them. A good example of a driver they prefer could possibly be between 25 and 40, has no tickets, and has great credit. A driver who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "people who quote" save that kind of money. That's the way companies can truthfully advertise the savings.

This emphasizes why drivers must quote coverage with many companies. It is impossible to predict which auto insurance company will fit your personal profile best.

Do the work, save more money

Cheap auto insurance is definitely available online in addition to many Peshtigo insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and these small insurance companies work with independent agents.

In this article, we presented a lot of tips how to compare auto insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the most savings is with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like .

Find out more about auto insurance

Additional information can be read on the website for the Wisconsin Office of the Commissioner of Insurance found here. Wisconsin consumers can view a list of available companies, find disaster information, download brochures, and file complaints about a company.

Additional helpful sites include this site for auto insurance rates in Wisconsin and this list of insurance agents in Peshtigo, WI.