Proven Ways to Save on Sturtevant Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

Big companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with ads and it is difficult to sift through the bull and find the best price available.

It's important to do rate comparisons every six months since insurance rates are constantly changing. Just because you found the best rates on your last policy the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance on the web, but we're going to give you some great ways to save money.

If you currently have car insurance, you will be able to reduce your rates substantially using this information. Finding affordable coverage in Sturtevant is quite easy. Nevertheless, Wisconsin vehicle owners do need to know the way insurance companies sell online.

How much can you save with discounts?

Car insurance is not cheap, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be inquired about prior to getting the savings.

Anti-theft System - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy could earn a price break for each car.
Homeowners Discount - Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
Drivers Ed for Students - Have your child take driver's ed class if it's offered in school.
Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
E-sign - Some insurance companies give back up to $50 simply for signing digitally online.
Low Mileage - Fewer annual miles could qualify for a substantially lower rate.

It's important to understand that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of providers who offer auto insurance discounts in Sturtevant, click here.

Compare Quotes for Sturtevant Auto Insurance

There are several ways to compare auto insurance prices and some are easier and takes less work. You can waste a lot of time talking about coverages with insurance agencies in Sturtevant, or you can utilize online quoting to get rates in a matter of minutes.

Many insurance companies take part in a program that allows shoppers to send in one quote, and each company can give them a price determined by their information. This prevents consumers from doing quote requests for each company you want a rate for.

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

The one disadvantage to pricing coverage this way is you are unable to specify which carriers you want to price. If you prefer to choose individual companies to compare rates, we have a listing of low cost auto insurance companies in Wisconsin. Click to view list.

However you get your quotes, ensure you are comparing exactly the same quote information with every price quote. If your comparisons have mixed coverages it will be next to impossible to find the best deal in Sturtevant. Slightly different coverage limits can mean a large discrepancy in price. Just remember that more quotes will increase your chances of finding the best offered rates.

Why some people pay less for insurance in Sturtevant

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get better auto insurance rates.

The following are some of the items companies use to determine your rates.

More than one policy can earn a discount - Many insurance companies give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal. You may still find a better deal by buying auto insurance from a different company.
Protect yourself with liability coverage - Liability coverage provides coverage in the event that a jury decides you are liable for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Being married is a good thing - Getting married can get you a discount on auto insurance. Marriage is viewed as being more mature and responsible and it's statistically proven that being married results in fewer claims.
You might want pay the small claims yourself - Insurance companies in Wisconsin generally give cheaper rates to policyholders who file claims infrequently. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
Safer occupants lowers premiums - Safer cars get lower rates. Safer cars result in less severe injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders.
Your credit rating is important - Your credit history is a large factor in calculating your auto insurance rates. If your credit is not that good, you could pay less to insure your by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores.

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

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads have a common claim of big savings after switching to them. How can each company say the same thing?

Different companies are able to cherry pick for the type of driver that is profitable for them. A good example of a preferred risk might be profiled as a mature driver, has no driving citations, and has great credit. A propective insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements will be charged a more expensive rate and this can result in business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save money. That's the way insurance companies can confidently advertise the savings.

That is why drivers must get quotes from several different companies. It's not possible to predict which auto insurance company will fit your personal profile best.

The best insurance company isn't always the cheapest

When you buy insurance online, it's not a good idea to reduce coverage to reduce premium. Too many times, someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Low-cost auto insurance can be sourced on the web and with local Sturtevant insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Additional auto insurance information can be read on the website for the Wisconsin Office of the Commissioner of Insurance through this link. Wisconsin drivers can read consumer alerts, find out which companies have the most complaints, get help finding coverage, and download brochures.