Car Insurance in Westby - 9 Ways to Save Money

Are you tired of paying out the nose each month for car insurance? You are in the same boat as the majority of other car owners in Wisconsin.

Big companies like GEICO and Progressive continually hit you with TV and radio ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It's important to price shop coverage before your policy renews since rates are constantly changing. Even if you got the lowest price a couple years back you can probably find a better price now. You'll find quite a bit of inaccurate information about car insurance online, so we're going to give you some great ways to quit paying high car insurance rates.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Finding the best rates in Westby is quite easy. Nevertheless, Wisconsin consumers do need to know the way insurance companies price insurance differently because it can help you find the best coverage.

These nine discounts can lower your rates

Companies do not list every available discount in a way that's easy to find, so we researched both the well known and the more hidden ways to save on car insurance.

Air Bag Discount - Vehicles with factory air bags can qualify for discounts of up to 25% or more.
Employee of Federal Government - Employees or retirees of the government could cut as much as 10% off with certain companies.
Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Payment Method - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
Low Mileage - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Organization Discounts - Being a member of a civic or occupational organization could trigger savings on your policy.
Homeowners Pay Less - Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
Early Switch Discount - A few companies offer discounts for buying a policy prior to your current policy expiration. It's a savings of about 10%.

It's important to understand that many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it doesn't quite work that way.

To choose providers who offer car insurance discounts in Westby, click this link.

Are you falling for claims of savings?

Companies like State Farm and Allstate continually stream ads on television and other media. All the ads make the same claim of big savings after switching your policy. How can each company claim to save you money?

Insurance companies can use profiling for the right customer that makes them money. For instance, a preferred risk might be a mature driver, is a homeowner, and drives less than 10,000 miles a year. Any new insured who matches those parameters will get very good rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will be charged more money which leads to the customer not buying. The ads say "people who switch" not "everybody who quotes" save that kind of money. That's why insurance companies can confidently advertise the way they do. That is why you should compare many company's rates. It's just too difficult to predict the company that will provide you with the cheapest rates.

Learn more today

More tips and info about car insurance is located at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to find out industry alerts, download brochures, file complaints about an insurance agent or broker, and view a list of available companies.

Final considerations

We just covered many ideas to save on car insurance. The most important thing to understand is the more you quote, the better your comparison will be. Consumers may even find the best price on car insurance is with a company that doesn't do a lot of advertising. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as .

As you go through the steps to switch your coverage, it's a bad idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced collision coverage and learned later that the savings was not a smart move. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.