Tightwads Tips for Saving on Thiensville Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say you are not the only one feeling buyer's remorse.

There is such a variety of to buy insurance from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates.

Choosing the best insurance company for you in Thiensville is easy if you know what you're doing. If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. But Wisconsin consumers do need to know the methods companies use to sell online and take advantage of how the system works.

auto insurance in Thiensville

More discounts equal less premium

Companies offering auto insurance don't always list all available discounts very clearly, so here is a list both the well known as well as the least known savings tricks you should be using.

  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Multiple Cars - Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Discount - Owning a home in Thiensville can help you save on auto insurance because maintaining a house requires personal responsibility.
  • No Claims - Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.
  • Paperless Signup - A few companies may give you up to $50 for buying a policy and signing up over the internet.
  • Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Save with a New Car - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Drivers Education - Require your teen driver to enroll in driver's education if offered at their school.

Consumers should know that most discounts do not apply the the whole policy. Most only reduce individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, companies don't profit that way.

For a list of insurers with discount auto insurance rates in Wisconsin, click here to view.

Comprehensive Thiensville Auto Insurance Comparison Quotes

Most major insurance companies like 21st Century, Allstate and State Farm give insurance quotes on their websites. This process doesn't take much effort as you just enter the coverage amounts you desire into the quote form. Once entered, the system will obtain credit information and your driving record and gives you a price quote based on these factors. Quoting online makes it a lot easier to compare rates but the process of having to visit different websites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to perform this step in order to get a lower rate.

A more efficient way to find better auto insurance pricing uses one form that gets prices from several different companies. It's a real time-saver, eliminates form submissions, and makes rate comparisons much easier to do. After sending your information, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, you can click and sign and buy the new coverage. This process takes just a few minutes to complete and may result in a nice savings.

To find out how much you're overpaying now, click here and complete the simple form. If you have a policy now, it's recommended you type in identical to your current policy. This helps ensure you will have an apples-to-apples comparison based on identical coverages.

Final considerations

Discount auto insurance can be sourced both online in addition to many Thiensville insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, never sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.