Free Guide to Saving Money on Stone Lake Auto Insurance Online

Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other Wisconsin drivers.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

Save big with these discounts

Companies do not list all available discounts in a way that's easy to find, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

Memberships - Affiliation with a civic or occupational organization is a good way to get lower rates when buying auto insurance.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
Drivers Ed for Students - Have your child enroll in driver's education in school.
No Accidents - Claim-free drivers pay less when compared with bad drivers.
Paperless Signup - Certain companies give back up to $50 for buying your policy digitally online.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you won't be that lucky.

To see a list of insurers offering auto insurance discounts in Stone Lake, click here to view.

Fast and Easy Stone Lake Auto Insurance Quotes

There are several ways to compare rate quotes and find the best price. The best method to find the lowest rates is to perform an online rate comparison. This can be done using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form eliminates the need for a different quote for every auto insurance company. Taking the time to complete one form compares rates .
A harder way to get quotes online is going to each individual company website and fill out their own quote form. For sake of this example, we'll assume you want rates from , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why the first method is more popular.

To view a list of companies in Stone Lake, click here.

It's your choice how you get your quotes, but double check that you are using exactly the same coverage limits and deductibles for every quote you compare. If you enter different liability limits it will be impossible to determine the best price in Stone Lake. Quoting even small variations in coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes will increase your chances of finding the best rates.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that could result in lower auto insurance prices.

Liability coverage is cheap - Liability insurance will protect you if a jury decides you are liable for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Your car's features help determine rates - Driving a car with an alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
One company can mean more discounts - Most insurers will award you with lower prices to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even if you're getting this discount you still need to compare rates to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
Too many auto insurance claims drive up costs - Auto insurance companies in Wisconsin award cheaper rates to insureds who are claim-free. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Occupations such as real estate brokers, business owners and dentists tend to have the highest average rates because of high stress levels and lengthy work days. Other professions such as farmers, historians and homemakers receive lower rates.
Pay less after the wedding - Getting married can actually save you money on your policy. Having a spouse means you're more responsible and it's proven that drivers who are married are more cautious.
Low deductibles can be expensive - Deductibles for physical damage represent how much money you are willing to pay before your auto insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, collision with an animal, and rolling your vehicle. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.

Auto insurance ads bend the truth

Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise about savings if you switch to their company. How can each company say the same thing?

All companies can use profiling for the driver that is profitable for them. A good example of a profitable customer might be profiled as over the age of 50, has no tickets, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements must pay higher prices and ends up with business not being written. The ad wording is "customers that switch" not "people who quote" save that much. That's why companies can truthfully advertise the way they do. This illustrates why drivers must get a wide range of price quotes. It's not possible to predict the company that will provide you with the cheapest rates.

Final considerations

Cheaper auto insurance can be found on the web and also from your neighborhood Stone Lake agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. In too many instances, an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Even more information can be read at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin drivers can find out which companies have the most complaints, view a list of available companies, read consumer alerts, and download brochures.