Find Cheap Stanley Car Insurance

Shopping for affordable Stanley car insurance on the web is somewhat difficult for people who are new to comparison shopping online. With so many choices of online companies, how can consumers effectively compare them all to find the lowest price?

It's important to compare prices on a regular basis due to the fact that insurance rates are constantly changing. Just because you found the best price six months ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because we're going to demonstrate the quickest way to lower your rates without sacrificing coverage.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

Do you qualify for a multi-policy discount? - Some car insurance companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even if you're getting this discount you still need to comparison shop to verify if the discount is saving money.
Being married can save on car insurance - Having a spouse helps lower the price on your car insurance policy. Marriage translates into being more responsible and it's proven that married drivers get in fewer accidents.
High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and burglary. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you have to pay, the bigger discount you will receive.
Where you live can impact rates - Residing in a rural area has it's advantages when talking about car insurance. Drivers in populated areas regularly have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident.
Teen drivers pay high rates - Youthful drivers in Wisconsin have a tendency to be less responsible when driving so they pay higher car insurance rates. If you've ever had to add a youthful driver onto a policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
Do you know you're credit rating? - Your credit score is a important factor in determining what you pay for car insurance. People with excellent credit tend to be more responsible than drivers who have lower credit scores. Therefore, if your credit score is low, you could save money insuring your by spending a little time repairing your credit.

Which Car Insurance is Cheapest in Stanley, Wisconsin?

Performing a rate comparison can be challenging if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in Stanley, or you could save time and use the internet to get prices fast.

Most of the larger companies belong to a marketplace that enables customers to only type in their quote data once, and each participating company can give them a price determined by their information. This system prevents you from having to do quote forms to each individual car insurance company.

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

One minor caviat to comparing rates this way is you are unable to specify which providers you want to price. So if you want to choose specific providers to compare, we put together a list of car insurance companies in Wisconsin. Click here to view list.

It doesn't matter which method you choose, just ensure you are comparing identical quote information on every quote you get. If your comparisons have mixed coverages it's not possible to determine which rate is truly the best in Stanley.

Don't pay full price with these discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be requested specifically before you get the savings. If you're not getting every credit you deserve, you are paying more than you should be.

Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
E-sign - Certain companies may give you up to $50 for buying your policy over the internet.
Multiple Cars - Having all your vehicles with the same company may reduce the rate for each vehicle.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Senior Citizens - If you're over the age of 55, you may receive a small decrease in premiums.
Braking Control Discount - Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your premiums.

To choose providers with discount car insurance rates in Wisconsin, click this link.

The car insurance bait and switch

Consumers in Wisconsin can't ignore all the ads for car insurance savings from the likes of Allstate and Progressive. All the ads make the same claim about savings if you change your coverage to them.

How does each company claim to save you money?

All companies have a preferred profile for the type of customer that makes them money. For example, a preferred risk might be a mature driver, insures multiple vehicles, and has a high credit rating. Any driver who matches those parameters receives the best rates and therefore will save when switching.

Drivers who don't measure up to these standards will be charged a higher premium which leads to the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save that much money. This is how companies can truthfully state the savings.

That is why you need to get as many quotes as possible. You cannot predict which insurance companies will have the lowest rates.

Additional information can be found on the Wisconsin Office of the Commissioner of Insurance website located here. Visitors are able to read consumer alerts, get help finding coverage, and report car insurance fraud.

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

Best coverage at the best price

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. Too many times, drivers have reduced physical damage coverage only to discover later that they should have had better coverage. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Cheaper car insurance can be sourced both online as well as from independent agents in Stanley, and you need to price shop both to have the best selection. Some insurance companies don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We just presented many ideas to compare car insurance prices online. It's most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the best price on car insurance is with the least-expected company.