10 Guaranteed Ways to Cut Car Insurance Costs in Prentice

No one in their right mind cherishes buying car insurance, particularly when their premiums are through the roof. You have so many to buy insurance from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around occasionally since rates are constantly changing. Just because you found the lowest rates six months ago the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to find better rates and still maintain coverage.

Finding affordable car insurance in Prentice is not that difficult. If you have a policy now or need new coverage, you can follow these tips to find the best rates while maintaining coverages. Wisconsin vehicle owners just need to know the most effective way to find the lowest price on the web.

Don't pay full price with these ten discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If you're not getting every credit you qualify for, you're paying more than you need to.

Discount for Swiching Early - Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Multiple Cars - Having all your vehicles on the same car insurance policy can get a discount on all vehicles.
Accident Forgiveness - Certain companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Safety Course Discount - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
Claim Free - Good drivers with no accidents can save substantially compared to bad drivers.
Drivers Education - Have your child take driver's ed class if offered at their school.
Save with a New Car - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.

Consumers should know that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, companies don't profit that way. But all discounts will bring down your premiums.

To see a list of providers with discount car insurance rates in Wisconsin, click here to view.

Finding Car Insurance Deals in Prentice, WI

Performing a rate comparison can take time and effort if you aren't aware of the fastest way to get free quotes. You can waste a lot of time talking to insurance agencies in Prentice, or you could use the internet to achieve your goal.

Many insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each company can provide price quotes for coverage. This saves time by eliminating form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to pricing coverage this way is you are unable to specify which carriers you will receive quotes from. If you would rather choose specific providers to compare, we have a page of companies who write car insurance in Wisconsin. Click here to view list.

It's up to you which method you use, but make absolute certain that you use identical quote information with every price quote. If you use mixed coverages you can't possibly find the best deal in Prentice.

Your personal situation dictates your coverage

When choosing adequate coverage for your vehicles, there isn't really a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance should reflect that Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Am I covered if I wreck a rental car?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Do I really need UM/UIM coverage?
Am I covered when driving in Canada or Mexico?

If you're not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

The car insurance bait and switch

Consumers in Wisconsin can't get away from ads for cheaper car insurance from the likes of State Farm and Allstate. All the ads make an identical promise that you'll save big if you change your coverage to them.

How does each company claim to save you money? It's all in the numbers.

All companies have a certain "appetite" for the type of customer that is profitable for them. For example, a preferred risk might be a mature driver, owns a home, and has a high credit rating. Any new insured who meets those qualifications is entitled to the best price and therefore will save when switching.

Potential customers who don't measure up to these standards will be charged a more expensive rate and ends up with the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that much money. That is how companies can state the savings.

That is why drivers must get quotes from several different companies. It's just too difficult to predict which company will have the lowest rates.

Best coverage at the best price

We just covered some good ideas how you can compare car insurance prices online. It's most important to understand that the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best price on car insurance is with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as .

As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many cases where an insured cut uninsured motorist or liability limits only to regret that they should have had better coverage. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Discount car insurance can be sourced both online as well as from independent agents in Prentice, and you need to price shop both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

For more Wisconsin car insurance information

Much more information about car insurance in Wisconsin can be found on the website for the Wisconsin Office of the Commissioner of Insurance found here. Visitors are able to file complaints about a company, read consumer alerts, find out which companies have the most complaints, and get help finding coverage.