8 Methods to Save on Car Insurance in Wrightstown

Expensive car insurance can empty your savings account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to help make ends meet.

Since consumers have many companies and agents to choose from, it's nearly impossible to pick the cheapest company.

It's important to shop coverage around yearly since rates are constantly changing. Despite the fact that you may have had the best price a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you're about to learn one of the best ways to get good coverage at a lower rate.

How to Get Cheap Car Insurance in Wrightstown, WI

Most companies provide coverage price quotes on their websites. Getting quotes is fairly simple as you just type in your required coverages into the quote form. When the form is submitted, the system will obtain credit information and your driving record and gives you a price quote based on many factors. This streamlines rate comparisons, but the process of having to visit many different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

A quicker way to compare car insurance pricing is to use a quote form that obtains quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes quoting online much easier to do. As soon as you send your information, it gets priced and you can select any or none of the quotes returned.

If a lower price is quoted, you can click and sign and buy the policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and begin entering your coverage information. If you currently have coverage, we recommend you type in the coverage information identical to your current policy. This ensures you will receive a fair comparison for similar insurance coverage.

More discounts equal less premium

The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you quote, but less common discounts must be manually applied prior to getting the savings.

Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance.
College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
Drive Less and Save - Fewer annual miles can earn better rates on cars that stay parked.
Driver Safety - Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Accident Waiver - Some insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a set time period.
Sign Online - A few companies may give you up to $50 for buying your policy online.
Lower Rates for Military - Having a family member in the military may qualify for rate reductions.
Early Switch Discount - Some insurance companies reward drivers for buying a policy before your current expiration date. It's a savings of about 10%.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce your premiums.

To see a list of companies who offer car insurance discounts in Wisconsin, click this link.

It's not one size fits all

When choosing the right insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's needs are different so this has to be addressed. Here are some questions about coverages that can help discover if you might need an agent's assistance.

When does my teenage driver need to be added to my policy?
What are Wisconsin no-fault laws?
What happens if I owe more than my vehicle is worth?
Is my vehicle covered for flood damage?
Does my personal policy cover me when driving my company car?
Should I rate my vehicle as pleasure use or commute?
What are the financial responsibility laws in Wisconsin?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Learn more about car insurance in Wisconsin

Additional information can be found on the website for the Wisconsin Office of the Commissioner of Insurance located here. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and discover disciplinary actions.

Additional helpful sites include Wikipedia and this page where you can research Wrightstown insurance agents.