7 Discounts Prairie Farm Shoppers Forget when Quoting Car Insurance

Are you sick and tired of scraping the payment together each month for car insurance? You're in the same situation as the majority of other car owners in Wisconsin. With consumers having so many choices, it's nearly impossible to locate the lowest price provider.

Save big with these seven discounts

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but some must be specifically requested before you get the savings. If you don't get every credit available, you are throwing money away.

Clubs and Organizations - Being a member of a professional or civic organization could qualify you for a break when buying car insurance.
Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
Military Discounts - Having a deployed family member can result in better rates.
Good Students Pay Less - Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Employee of Federal Government - Active or retired federal employment can save as much as 8% depending on your company.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. Just because you may think 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.

Car insurance ads bend the truth

Consumers in Wisconsin get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. All the companies say the same thing about savings if you move your policy.

But how can every company claim to save you money? It's all in the numbers.

All companies can use profiling for the right customer that earns them a profit. An example of a profitable customer might be a mature driver, has no tickets, and has excellent credit. Any new insured who fits that profile gets the lowest rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile must pay a higher premium which usually ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save that kind of money. That's why companies can truthfully make those claims.

This illustrates why you should quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.

More Wisconsin car insurance information

Additional information is available on the website for the Wisconsin Office of the Commissioner of Insurance found here. Visitors are able to find out which companies have the most complaints, download brochures, find disaster information, and file complaints about a company.

Also read more on this link for Wisconsin car insurance quotes and this link which helps you find a Prairie Farm agent.

Best coverage at the best price

Cheaper car insurance is possible both online in addition to many Prairie Farm insurance agents, and you need to price shop both to have the best selection. Some companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

We just covered many ways to reduce car insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best price on car insurance is with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than their larger competitors like .