Comparison Shop Whitehall Auto Insurance Prices With These Tricks

Purchasing the lowest cost Whitehall auto insurance on the web may be challenging for beginners to buying insurance online. With dozens of companies in the marketplace, how can you even start to compare every one to find the best price?

It's important to check auto insurance prices yearly since insurance rates are constantly changing. Despite the fact that you may have had the best deal a few years ago you may be paying too much now. So ignore everything you know about auto insurance because it's time to teach you the proper way to save money, get proper coverage and the best rates.

If you have a current auto insurance policy or need a new policy, you can use these techniques to get lower rates while maximizing coverage. This article will teach you how car insurance quotes work. Wisconsin vehicle owners just need to know the most efficient way to compare prices over the internet.

Where Can I Get Cheap Whitehall Auto Insurance?

There are several ways to compare auto insurance quotes, but there is one way that is more efficient than others. You could spend your day driving to agents in Whitehall, or you could use online quotes to get rates in a matter of minutes.

All the larger companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company can provide price quotes. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

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

The only downside to using this type of system is you can't choose which companies you will receive quotes from. If you wish to select specific providers for rate comparison, we have a page of companies who write auto insurance in Wisconsin. Click to view list.

It's up to you how you get prices quotes, just make sure you use exactly the same coverage information on every quote. If you are comparing unequal deductibles or liability limits you can't possibly make a fair comparison in Whitehall.

What determines how much you pay?

It's important that you understand the rating factors that help determine auto insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get lower auto insurance prices.

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

A clean driving record saves money - Even a single speeding ticket can increase rates forty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Your location affects your rates - Residing in a rural area has it's advantages when buying auto insurance. Fewer people means fewer accidents and also fewer theft and vandalism claims. City drivers tend to have congested traffic and much longer commute distances. Longer commute distances means higher likelihood of an accident.
Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean women are better drivers. Women and men have accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
An active claims history can cost you - Insurance companies in Wisconsin give cheaper rates to people who file claims infrequently. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Older drivers save more - More mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers. Teenage drivers are known to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.

How much can you save with discounts?

Companies don't always advertise every available discount in a way that's easy to find, so here is a list some of the best known and also the lesser-known ways to save on auto insurance. If you aren't receiving every discount you deserve, you're just leaving money on the table.

Good Student Discount - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
Auto/Life Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Senior Discount - Older drivers may be able to get reduced rates.
Drivers Ed for Students - Require your teen driver to take driver's ed class if it's offered in school.
Government Employees - Simply working for the federal government can save as much as 8% with certain companies.
Resident Student - Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
Early Switch Discount - Some companies give discounts for signing up before your current policy expires. It's a savings of about 10%.
Multi-policy Discount - When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
Accident Free - Drivers who don't have accidents can earn big discounts compared to frequent claim filers.
Driver Safety - Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.

Drivers should understand that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. So when the math indicates it's possible to get free car insurance, companies wouldn't make money that way.

For a list of providers who offer auto insurance discounts in Whitehall, click this link.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else's.

For example, these questions can help discover if your insurance needs might need an agent's assistance.

Should I buy only the required Wisconsin minimum liability coverage?
When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
Am I covered if I drive in a foreign country?
Do I need to file an SR-22 for a DUI in Wisconsin?
Why does it cost so much to insure a teen driver in Whitehall?

If it's difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It's fast, free and you can get the answers you need.

More detailed Wisconsin auto insurance information is available at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin drivers can file complaints about a company, view agent and company licensing information, and learn about insurance regulations.

A tidy conclusion

Throughout this article, we presented some good ideas how to lower your auto insurance rates. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a small mutual company.

When shopping online for auto insurance, it's not a good idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Insureds change insurance companies for a variety of reasons including high prices, delays in paying claims, denial of a claim and extreme rates for teen drivers. It doesn't matter what your reason, finding a new auto insurance company is not as hard as you think.