10 Tips to Save on Car Insurance in Port Washington Wisconsin

Are you sick and tired of trying to scrape together enough money each month for car insurance? You're in the same situation as many other Wisconsin drivers. Having so many companies and agents to choose from, it can be hard to pick the cheapest insurance company.

Choosing the best insurance company for you in Port Washington is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Wisconsin vehicle owners just need to know the most effective way to shop their coverage around over the internet.

More discounts equal less premium

Companies offering auto insurance do not advertise all available discounts very well, so the following is a list of some of the more common and the more hidden car insurance savings. If you don't get every credit available, you're paying more than you need to.

Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% depending on your company.
New Car Discount - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Early Switch Discount - A few companies offer discounts for switching to them before your current expiration date. It's a savings of about 10%.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
One Accident Forgiven - Some insurance companies permit an accident before raising your premiums so long as you haven't had any claims prior to the accident.
Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.
No Accidents - Claim-free drivers pay less when compared with bad drivers.
Paperless Signup - Certain companies will give a small break for buying a policy and signing up online.
Fewer Miles Equal More Savings - Fewer annual miles could qualify for lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies don't profit that way.

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

How to Compare Port Washington Car Insurance Rates

Most companies give coverage prices online. Getting quotes is quite simple as you just enter into the quote form. Once you submit the form, their rating system will obtain your driving record and credit report and generates a price based on these factors. This helps simplify price comparisons, but the time required to go to each company's website and repetitively complete many quote forms can be a bit repetitive. Unfortunately, it is important to perform this step in order to get a lower rate.

The preferred way to lower your car insurance bill is to use a quote form that gets prices from many companies. It's a real time-saver, requires less work, and makes online quotes much simpler. After sending your information, your coverage is rated and you can select any or none of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and enter your information. If you have your current policy handy, we recommend you input the limits and deductibles identical to your current policy. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Switch companies and save? Really?

Consumers can't get away from ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies say the same thing that you'll save big after switching to their company.

But how can every company make the same claim?

All companies can use profiling for the driver that is profitable for them. A good example of a profitable customer could be a mature driver, is a homeowner, and has great credit. Any new insured who fits that profile receives the best rates and therefore will save a lot of money.

Consumers who do not match this ideal profile must pay higher rates which usually ends up with business going elsewhere. Company advertisements say "people who switch" not "everyone that quotes" save that much. That's why companies can advertise the savings. This illustrates why drivers must get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

Best coverage at the best price

Discount car insurance can be bought from both online companies and also from your neighborhood Port Washington agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Learn more today

More detailed Wisconsin car insurance information can be read at the Wisconsin Office of the Commissioner of Insurance website. Consumers can find disaster information, read industry bulletins, read enforcement actions against agents and companies, and file complaints about a company.

Additional helpful sites include this page for car insurance prices in Wisconsin and this page of Port Washington insurance agents.