Free Guide to Paying Less for River Falls Car Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say you're not alone.

Insurance companies such as GEICO and Progressive constantly bombard you with ad campaigns and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

Tips to Get Lower River Falls Rates

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in lower car insurance prices.

Liability insurance protects assets - Liability insurance provides coverage if you are found to be at fault for personal injury or accident damage. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
Do you know your deductibles? - Your deductibles represent how much money you are willing to pay before your car insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The higher the amount you have to pay, the less your car insurance will be.
High credit ratings translate to low rates - A driver's credit score is a big factor in calculating your car insurance rates. If your credit rating is lower than you'd like, you could save money insuring your by improving your credit score. People with good credit tend to be more responsible than those with poor credit.
Too many car insurance claims drive up costs - If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies in Wisconsin provide cheaper rates to drivers who do not file claims often. Auto insurance is meant to be used in the event of the large, substantial claims.
How's your driving record? - Whether or not you get tickets has a huge affect on how much you pay. Drivers who don't get tickets get better rates than bad drivers. Just one speeding ticket can bump up the cost forty percent or more. Drivers with serious tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Higher safety ratings means cheaper insurance - Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and fewer injuries means lower claim amounts and more competitive rates for policyholders.

How to Compare Car Insurance Quotes in River Falls, Wisconsin

Comparing car insurance rates can take hours if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in River Falls, or you could use the web to get rate comparisons in just a few minutes.

Most of the larger companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company returns a rated price for coverage. This eliminates the need for quote forms for each company you want a rate for. To submit your quote information now, click here to open in new window.

The one downside to getting quotes like this is you are unable to specify which providers you want pricing from. If you prefer to choose specific providers to compare, we have assembled a list of companies who write car insurance in Wisconsin. Click here for list of insurance companies in Wisconsin.

It doesn't matter which method you choose, just ensure you are comparing exactly the same coverages and limits for each comparison quote. If you use different deductibles you can't possibly determine the lowest rate in River Falls. Just a small difference in limits may result in large price differences. Just remember that comparing more company's prices will improve the odds of getting a lower rate.

How much can you save with discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but a few need to be asked for before being credited.

Organization Discounts - Belonging to a civic or occupational organization could qualify you for a break when buying car insurance.
Homeowners Discount - Owning a home in River Falls may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
Federal Government Employee - Employees or retirees of the government can save as much as 8% depending on your company.
Lower Rates for Military - Having a deployed family member could mean lower rates.

It's important to note that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you're out of luck. But any discount will reduce the amount you have to pay.

To choose insurers offering car insurance discounts in River Falls, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies say the same thing that you can save if you switch your coverage to them. How can each company make the same claim? It's all in the numbers.

All companies are able to cherry pick for the type of customer that makes them money. For example, a profitable customer could be a mature driver, has no driving citations, and has great credit. A customer who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements must pay higher prices which usually ends up with business going elsewhere. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can advertise the savings.

This illustrates why you need to compare many company's rates. Because you never know which car insurance company will give you the biggest savings.

More information can be found on the website for the Wisconsin Office of the Commissioner of Insurance found here. Consumers can find out which companies have the most complaints, report car insurance fraud, find out industry alerts, and download brochures.

Shop smart and save

Lower-priced car insurance is available from both online companies as well as from independent agents in River Falls, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you a lot of tips how to compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best price on car insurance is with a small mutual company. These smaller insurers often have lower prices on specific markets compared to the large companies like .