Top 6 Ways to Save Money on Car Insurance in Somerset

Shopping for cheap Somerset car insurance on the internet can be intimidating for consumers new to comparing rates online. Since there are so many choices, how can you have a chance to compare the different rates to find the cheapest available price?

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there could be available discounts to help bring down the price. Certain discounts will be applied when you purchase, but some may not be applied and must be specifically requested before being credited.

  • Safety Course Discount - Completing a driver safety course could cut 5% off your bill if you qualify.
  • 55 and Retired - If you qualify as a senior citizen, you may receive better car insurance rates.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • New Car Discount - Insuring a new car is cheaper since new cars are generally safer.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Government Employees - Active or retired federal employment can save as much as 8% depending on your company.

Keep in mind that most credits do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn't work that way. But any discount will help reduce the cost of coverage.

car insurance in Somerset

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is no "perfect" insurance plan. Everyone's situation is a little different.

For instance, these questions may help you determine whether you might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Who is covered when they drive my vehicle?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies say the same thing that you can save if you change to their company. But how can every company make the same claim?

All companies have a preferred profile for the driver that earns them a profit. A good example of a profitable customer could be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. Any new insured who fits that profile gets the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile must pay higher prices which usually ends up with business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save that much. This is how insurance companies can make those claims.

This illustrates why drivers should get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

More information can be read on the Wisconsin Office of the Commissioner of Insurance website located here. Consumers can discover disciplinary actions, learn about insurance regulations, and find out industry alerts.

Also read more on this resource for Wisconsin car insurance prices and this link which helps you find a Somerset agent.

Somerset car insurance comparison

Affordable insurance is out there

Affordable car insurance is attainable from both online companies and also from your neighborhood Somerset agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

While you're price shopping online, do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, denial of a claim, questionable increases in premium and even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.