Top 8 Ways to Get Lower Rates on Car Insurance in Winneconne, WI

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

There are many to buy insurance from, and even though it's nice to have multiple companies, it makes it harder to compare rates.

Be sure to get all your discounts

Car insurance companies don't always advertise all available discounts very clearly, so here is a list some of the more common and the more hidden car insurance savings.

Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Clubs and Organizations - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
No Charge for an Accident - Certain companies permit an accident before your rates go up so long as you haven't had any claims prior to the accident.
Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
Military Rewards - Having a deployed family member could be rewarded with lower premiums.
Safety Course Discount - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Paperless Signup - Certain companies will give a small break just for signing your application over the internet.

It's important to note that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you're out of luck.

Is there truth in advertising?

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies say the same thing that you can save if you change to them. How does each company make the same claim?

All companies are able to cherry pick for the type of driver that earns them a profit. An example of a profitable customer could be a mature driver, has no driving citations, and has a high credit rating. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards must pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save money. That's the way insurance companies can state the savings. This illustrates why drivers should compare as many rates as you can. It's just too difficult to predict which car insurance company will have the lowest rates.

Learn more about Wisconsin car insurance

Additional detailed information is available at the Wisconsin Office of the Commissioner of Insurance website. Consumers can find disaster information, find out which companies have the most complaints, discover disciplinary actions, and learn about insurance regulations.

The best insurance company isn't always the cheapest

Lower-priced car insurance is attainable from both online companies and with local Winneconne insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.