Getting Cheap Wisconsin Rapids Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you there are many Wisconsin Rapids consumers feeling the pinch from expensive car insurance.

There are many to buy insurance from, and although it's nice to have a selection, it makes it harder to compare rates.

It's important to check car insurance prices at least once a year because rates are constantly changing. If you had the lowest price a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate one of the easiest ways to find better coverage at a better price.

Take advantage of discounts

The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied at quote time, but less common discounts must be manually applied in order for you to get them.

55 and Retired - Mature drivers can possibly qualify for reduced rates.
Drive Less and Save - Keeping the miles down could be rewarded with a substantially lower rate.
Pay Upfront and Save - By paying your policy upfront instead of paying each month you can actually save on your bill.
New Car Discount - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
Sign Early and Save - A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
Air Bag Discount - Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

To see a list of companies with the best car insurance discounts in Wisconsin, click here.

Quick Wisconsin Rapids Car Insurance Quotes

There are several ways to compare quotes from car insurance companies in your area. The best method to find competitive insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

The best way to get quotes is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating separate quotes to each individual car insurance company. Completing one form will return price quotes instantly.
Another way to compare rate quotes consists of visiting each company's website to complete a price quote. For sake of this example, let's assume you want to compare rates from , and . To find out each rate you need to spend time on each company's site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in Wisconsin Rapids, click here.

However you get your quotes, compare identical deductibles and coverage limits for every company. If each company quotes different values for each quote it will be impossible to decipher which rate is best in Wisconsin Rapids. Slightly different coverages can make a big difference in price. Just keep in mind that quoting more helps locate better pricing.

What determines how much you pay?

An important part of buying insurance is that you know the factors that come into play when calculating your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Sex matters - Statistics demonstrate that women are safer drivers than men. However, don't assume that women are better drivers. They both tend to get into accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as reckless driving.
Choose a safe vehicle and save - Vehicles with good safety scores get lower rates. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
Mature drivers pay less - Young drivers in Wisconsin tend to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations.
High performance equals high price - The performance level of the vehicle you own makes a big difference in the rate you pay. The most favorable rates are generally reserved for low performance passenger cars, but the cost you end up paying is determined by many additional factors.
How's your driving record? - Your driving citation history has a lot to do with how much you pay for insurance. Good drivers receive lower rates than people who have multiple driving citations. Even a single moving violation can increase rates forty percent or more. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
Liability coverage protects you - The liability section of your policy provides coverage if ever you are found to be at fault for damages from an accident. It will provide legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.

Are car insurance companies telling the truth?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all seem to have a common claim about savings if you move to them. How does each company make the same claim?

All the different companies are able to cherry pick for the type of driver that is profitable for them. For instance, a desirable insured could be a mature driver, has no tickets, and drives less than 7,500 miles a year. A customer that hits that "sweet spot" will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will have to pay more money and this can result in business going elsewhere. The ad wording is "people who switch" not "people who quote" save money. That's the way companies can truthfully advertise the way they do.

Because of the profiling, drivers must quote coverage with many companies. Because you never know which car insurance company will provide you with the cheapest rates.

Do the work, save more money

When shopping online for car insurance, it's very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at an affordable rate.

Cheap car insurance is possible from both online companies and with local Wisconsin Rapids insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Find out more about car insurance

Additional information is located on the website for the Wisconsin Office of the Commissioner of Insurance through this link. Consumers can learn about insurance regulations, find disaster information, view a list of available companies, and read enforcement actions against agents and companies.