Easy Tips to Pay Less on Richland Center Car Insurance

If you've never shopped for car insurance online, it's easy to be confused by the hoards of car insurance companies selling insurance in Richland Center.

Vehicle Insurance Comparison

There are several ways to shop for car insurance, and some are less time-consuming than others. You can spend countless hours talking to agents in Richland Center, or you can utilize the web to get the quickest rates.

The majority of car insurance companies participate in an industry program that allows shoppers to submit their information once, and every company returns a rated price. This eliminates the need for form submissions for each company you want a rate for.

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

The only drawback to using this type of form is that you can't choose the providers you want pricing from. So if you prefer to choose specific providers for rate comparison, we put together a list of low cost car insurance companies in Wisconsin. Click to view list.

Whichever way you use, be sure to compare apples-to-apples information for every company. If you are comparing higher or lower deductibles it will be impossible to decipher which rate is best in Richland Center. Just a small difference in coverages can make a big difference in price. Keep in mind that quoting more provides better odds of finding the best price.

How much can you save with discounts?

Insurance can cost an arm and a leg, but there are discounts available to reduce the price significantly. Most are applied at quote time, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Homeowners Savings - Owning a home in Richland Center may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

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

How much car insurance do I need?

When choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone's needs are different.

For example, these questions may help highlight if your insurance needs could use an agent's help.

  • When do I need to add a new car to my policy?
  • Should I buy only the required Wisconsin minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Wisconsin?
  • Should I file a claim if it's only slightly more than my deductible?
  • Why am I required to buy high-risk coverage?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Additional information can be found on the Wisconsin Office of the Commissioner of Insurance website through this link. Visitors are able to report car insurance fraud, file complaints about a company, and view agent and company licensing information.

Additional helpful sites include this page for Wisconsin car insurance and this page for help finding agents in Richland Center, WI.