Best Way to Find Cheap Stoughton Auto Insurance

If you've never shopped for auto insurance online, you may be overwhelmed by the vast number of auto insurance companies offering coverage in Stoughton.

It's important to compare prices occasionally because prices are constantly changing. Just because you had the best deal on your last policy you can probably find a better price now. So just forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get big savings.

Listed below are some of the factors used by your company to calculate your rates.

  • Careful drivers pay lower rates - Even a single speeding ticket can bump up the cost by twenty percent. Drivers who don't get tickets have lower premiums than bad drivers. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Do you know you're credit rating? - Your credit score is a important factor in determining your rates. If your credit history is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. People with high credit scores tend to be more responsible than those with poor credit.
  • Pay less after the wedding - Being married can actually save you money on your policy. Marriage translates into being more mature and it's proven that married couples file fewer claims.
  • Lower deductibles cost more - Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims could be a windshield shattered by a rock, vandalism, or theft. Deductibles for physical damage are the amount of money you are willing to pay if you file a covered claim. The more money you have to pay, the lower your rates will be.

Wisconsin auto insurance

Be sure to get all your discounts

Car insurance can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be applied when you quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you're not getting every credit you qualify for, you are paying more than you should be.

  • Early Signing - Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Good Student - This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • E-sign - A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Organization Discounts - Participating in a qualifying organization is a good way to get lower rates on your policy.

It's important to note that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck. But any discount will bring down the amount you have to pay.

To choose providers offering auto insurance discounts in Wisconsin, click here to view.

Is there truth in advertising?

Wisconsin consumers can't ignore all the ads for cheaper car insurance from the likes of State Farm and Allstate. All the ads make an identical promise that you can save if you switch your coverage to them.

How does each company make almost identical claims?

All the different companies have a certain "appetite" for the type of customer that makes them money. An example of a preferred risk could possibly be between the ages of 30 and 50, owns a home, and has great credit. A customer getting a price quote who meets those qualifications will get very good rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be charged a higher premium and ends up with the driver buying from a lower-cost company. The ads say "customers that switch" but not "drivers who get quotes" save that much money. That is how insurance companies can advertise the savings.

That is why you should get as many comparisons as possible. It's impossible to know which company will fit your personal profile best.

How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's needs are different.

For example, these questions might point out whether or not you might need an agent's assistance.

  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Wisconsin?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don't have a local agent, complete this form. It is quick, free and can help protect your family.

For more Wisconsin car insurance information

More information is available on the Wisconsin Office of the Commissioner of Insurance website located here. Wisconsin consumers can file complaints about a company, find out industry alerts, and get help finding coverage.

Stoughton auto insurance quote

Best coverage at the best price

You just read many tips how you can save on auto insurance. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even find the lowest rates come from a small local company.

When you buy insurance online, never buy poor coverage just to save money. There have been many cases where an insured cut comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance is available online as well as from independent agents in Stoughton, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer online price quotes and many times these smaller companies only sell through independent insurance agents.