6 Simple Ways to Lower Car Insurance Costs in Wauwatosa

Consumers not familiar with buying insurance online may find finding affordable Wauwatosa car insurance very challenging.

It's important to check car insurance prices occasionally since rates are constantly changing. Just because you found the best rates six months ago you may be paying too much now. Don't believe everything you read about car insurance online but I'm going to show you some great ways to slash your car insurance rates.

Finding Car Insurance Deals in Wauwatosa, WI

There are multiple methods to shop for car insurance, and some are easier and takes less work. You could spend your day talking about coverages with insurance agencies in Wauwatosa, or you could save time and use the internet to get prices fast.

All the larger companies participate in an industry program that enables customers to enter their coverage request one time, and each company then gives them pricing for coverage. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is you are unable to specify which companies you want pricing from. If you would rather choose specific providers to compare rates, we have assembled a list of car insurance companies in Wisconsin. Click here to view list.

It's up to you how you get prices quotes, just make absolute certain that you use identical quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Wauwatosa. Having just a slight variation in limits can make a big difference in price. And when quoting car insurance, remember that quoting more helps you find a better price.

Don't pay full price with these six discounts

Companies that sell car insurance don't necessarily list all their discounts very clearly, so the following is a list of some of the more common as well as the least known ways to save on car insurance.

  • Accident Forgiveness - Certain companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Multiple Cars - Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Bundle and Save - When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Braking Control Discount - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Passive Restraint Discount - Factory air bags or motorized seat belts may earn rate discounts up to 30%.

Keep in mind that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, it just doesn't work that way.

For a list of companies with discount car insurance rates in Wisconsin, click this link.

Your personal situation dictates your coverage

When it comes to choosing coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different.

Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to get a high-risk car insurance policy?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Additional detailed information can be read at the Wisconsin Office of the Commissioner of Insurance website. Consumers can learn about insurance regulations, read consumer alerts, and report car insurance fraud.

Other useful links include this site for Wisconsin car insurance information and see this list of insurance agents in Wauwatosa.

Wauwatosa car insurance quote

Shop smart and save

Affordable car insurance can be sourced from both online companies and with local Wauwatosa insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

As you restructure your insurance plan, make sure you don't reduce needed coverages to save money. In many cases, an insured cut full coverage and found out when filing a claim that they should have had better coverage. Your aim should be to buy a smart amount of coverage at a price you can afford.

You just learned some good ideas how to lower your car insurance rates. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with a small local company.