Tightwads Tips for Saving on Wittenberg Car Insurance

Scraping up a payment for overpriced car insurance can dwindle your bank account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. There are many to buy insurance from, and although it's a good thing to be able to choose, it makes it harder to compare rates.

The purpose of this post is to help educate you on how car insurance quotes work. If you are paying for car insurance now, you will most likely be able to save some money using these techniques. Wisconsin vehicle owners just need to know the proper way to find the lowest price online.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

The list below includes some of the factors companies use to determine prices.

Save money with special equipment - Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
Pay less if you're married - Being married actually saves money on your policy. Having a significant other is viewed as being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
Teen drivers pay high rates - Youthful drivers in Wisconsin tend to be careless and easily distracted when driving so they pay higher car insurance rates. Having to add a young driver to your policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.
Bad driving skills means higher rates - Good drivers tend to pay less for car insurance than people who have multiple driving citations. Even one ticket can increase rates by as much as thirty percent. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
Higher safety ratings means cheaper insurance - Vehicles with good safety scores can get you lower premiums. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates.
Liability coverage is peace of mind - The liability section of your policy is the protection when you are found liable for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.

Wittenberg Car Insurance Prices Online

There are multiple methods to compare car insurance quotes, but some are less time-consuming than others. You can spend your afternoon driving to insurance companies in Wittenberg, or you can stay home and use online quotes to achieve your goal.

Most of the larger companies participate in an industry program that enables customers to only type in their quote data once, and every company provides a quote for coverage. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to using this type of form is you cannot specify which providers to get quotes from. So if you want to choose specific insurance companies to compare rates, we have a page of the cheapest car insurance companies in Wisconsin. View list of Wisconsin insurance companies.

It's up to you which method you use, but ensure you are comparing identical deductibles and coverage limits with each company. If you use different values for each quote it will be very difficult to make an equal comparison in Wittenberg.

Don't pay full price with these discounts

Insuring your fleet can be pricey, but there are discounts available to help offset the cost. Some trigger automatically at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount. If you're not getting every credit you deserve, you are paying more than you should be.

Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
Own a Home - Simply owning a home can help you save on car insurance because of the fact that having a home requires personal responsibility.
Paperwork-free - A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
Sign Early and Save - Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.
Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts may earn rate discounts of more than 20%.
Low Mileage Discounts - Keeping the miles down can qualify you for discounted rates on garaged vehicles.
Organization Discounts - Being a member of a qualifying organization is a good way to get lower rates when shopping for car insurance.
Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
Government Employees - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.

Consumers should know that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will bring down your premiums.

To choose insurance companies with the best car insurance discounts in Wisconsin, click here to view.

The car insurance bait and switch

Consumers in Wisconsin can't ignore all the ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all make an identical promise that you'll save big if you move to them.

How does each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of driver that makes them money. An example of a driver they prefer might be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who meets those qualifications is entitled to the best price and therefore will save when switching.

Potential insureds who don't measure up to these standards will be quoted more money and ends up with the customer not buying. The ads state "drivers who switch" not "everyone that quotes" save money. This is how companies can advertise the way they do.

This emphasizes why you need to get as many comparisons as possible. You cannot predict which insurance companies will provide you with the cheapest rates.

Much more information about car insurance in Wisconsin is available on the website for the Wisconsin Office of the Commissioner of Insurance. Click here for link. Visitors are able to view a list of available companies, get help finding coverage, read enforcement actions against agents and companies, and file complaints about a company.

In the end, you save

Discount car insurance is possible both online and with local Wittenberg insurance agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies do not offer online price quotes and these smaller companies work with independent agents.

When shopping online for car insurance, never reduce coverage to reduce premium. There have been many situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.