Car Insurance in Princeton - 7 Discounts You Might be Unaware of

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out. Drivers have so many to pick from, and although it's nice to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices every six months since rates are constantly changing. Even if you got the best deal a year ago you can probably find a better price now. So just block out anything you think you know about car insurance because we're going to show you the proper way to find lower rates on car insurance.

Finding affordable coverage in Princeton is easy if you know what you're doing. If you are paying for car insurance now, you will be able to save some money using this information. Wisconsin vehicle owners just need to know the most efficient way to compare rates online.

Princeton car insurance quote

Policy discounts you shouldn't miss

Companies don't always list every available discount very clearly, so here is a list some of the more common and the more hidden discounts you could be receiving. If you're not getting every credit possible, you are paying more than you should be.

  • Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multi-car Discount - Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Multi-policy Discount - If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Low Mileage - Driving fewer miles can qualify you for a substantially lower rate.
  • Lower Rates for Military - Being deployed with a military unit could mean lower rates.

Drivers should understand that some credits don't apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies wouldn't make money that way.

To choose providers offering car insurance discounts in Wisconsin, click here.

Save $429 a year? Really?

Consumers can't ignore all the ads that promise big savings from the likes of Allstate and Progressive. All the ads have a common claim that you'll save big if you switch your coverage to them.

How does each company make the same claim?

All the different companies are able to cherry pick for the type of customer that makes them money. An example of a preferred risk could be between the ages of 30 and 50, has no driving citations, and has excellent credit. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will be charged higher premiums and this can result in business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That's the way companies can make those claims. That is why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will have the lowest rates.

Learn more about Wisconsin car insurance

More detailed Wisconsin car insurance information is available at the Wisconsin Office of the Commissioner of Insurance website. Consumers can read consumer alerts, report car insurance fraud, find out industry alerts, and view agent and company licensing information.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Princeton agent directory.

And the best car insurance company is...

While you're price shopping online, make sure you don't buy poor coverage just to save money. Too many times, someone sacrificed liability limits or collision coverage only to find out they didn't purchase enough coverage. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Budget-conscious car insurance can be found from both online companies as well as from independent agents in Princeton, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don't offer online price quotes and many times these smaller companies only sell through independent insurance agents.