Tightwads Guide for Saving on Wisner Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, you are not the only one feeling buyer's remorse.

Insurance companies such as GEICO and Progressive all claim big savings with advertising and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

auto insurance in Wisner

More discounts equal less premium

Companies offering auto insurance don't always advertise all available discounts in a way that's easy to find, so we took the time to find some of the best known as well as the least known auto insurance savings.

  • Fewer Miles Equal More Savings - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Club Memberships - Affiliation with a civic or occupational organization could qualify you for a break when buying auto insurance.
  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Safety Course Discount - Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Student in College - Children who attend school more than 100 miles from home and don't have a car may be able to be covered for less.

A little note about advertised discounts, most credits do not apply the the whole policy. Most cut individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

For a list of insurers with discount auto insurance rates in Wisner, follow this link.

How to Compare Wisner Auto Insurance Costs

Most major insurance companies provide price estimates online. Getting online quotes is quite simple as you just enter the coverage amounts you desire into the quote form. Once entered, their system will obtain your credit score and driving record and quotes a price. Online quotes streamlines rate comparisons, but having to visit different websites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find a lower rate.

A more efficient way to find better auto insurance pricing requires only one form that gets prices from multiple companies. It's a real time-saver, reduces the work, and makes quoting online a lot less work. After sending your information, it gets priced with multiple companies and you can pick your choice of the quotes that you receive. If a lower price is quoted, it's easy to complete the application and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and submit the form. If you currently have coverage, we recommend you input the limits and deductibles as close as possible to your current policy. This helps ensure you will receive an apples-to-apples comparison based on identical coverages.

The best insurance company isn't always the cheapest

Cheaper auto insurance can be sourced on the web as well as from independent agents in Wisner, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, it's a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.