Who Has the Cheapest Car Insurance Quotes for Veterans in Wisconsin?

Our editors always tell us that when writing about auto insurance, the word cheap really shouldn’t be used anywhere to describe car insurance prices. The fact is, cheap car insurance for veterans does not exist. But don’t despair, because we will teach you how you can still find and buy coverage that won’t break the bank.

When shopping for cheaper auto insurance for veterans, one of the many things that affect the cost of insurance is your zip code in Wisconsin. Cities with more crime and/or more people like Milwaukee, West Allis, and Greenfield tend to have more expensive car insurance rates, whereas areas that are not as densely populated generally have lower rates.

The information below displays the most expensive places in Wisconsin for veterans to purchase car insurance in.

Prices are comparative as vehicle location can revise insurance rates substantially.

Deciding which company quotes the cheapest auto insurance rates for veterans takes a little more effort in order to find the most economical policy.

Each auto insurance company has their own unique process to set their prices, so let’s examine the lowest cost auto insurance companies in Wisconsin. It’s a good idea to be aware that Wisconsin auto insurance rates are based on many factors that control the price you have to pay. Improving your credit rating, buying a home, or getting a DUI can cause premium changes that can make some companies affordable when they were higher priced.

Cheapest Insurance Rates for Vets

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USAA may have some of the cheapest car insurance rates in Wisconsin at around $598 each year. Partners Mutual, Erie, Nationwide, and Rockford Mutual would also be considered some of the best Wisconsin insurance companies.

As the rates illustrate above, if you are a customer of Nationwide and switched to Partners Mutual, you could earn a yearly savings of in the neighborhood of $131. Policyholders with Rockford Mutual could save as much as $132 a year, and Pekin Insurance customers might lower prices by $138 a year.

These estimates are averages across all insureds and vehicles and are not factoring in a price decrease for veterans. So the car insurance company that can offer you the lowest price may not even be shown in the list above. That emphasizes why you need to compare as many prices as possible using your own driver data and vehicle information.

Discounts on Wisconsin insurance

Insurance providers that offer the cheapest auto insurance for veterans in Wisconsin may also provide policy discounts that could reduce prices by as much as 40% or more if you meet specific criteria. A list of companies and the discounts they provide are shown below.

• State Farm policyholders can earn discounts including Steer Clear safe driver discount, driver’s education, multiple autos, passive restraint, good student, defensive driving training, and safe vehicle.
• Nationwide offers discounts for multi-policy, defensive driving, good student, business or organization, and anti-theft.
• GEICO includes discounts for membership and employees, military active duty, anti-theft, emergency military deployment, five-year accident-free, federal employee, and good student.
• AAA discounts include good student, good driver, education and occupation, multi-policy, anti-theft, and AAA membership discount.
• 21st Century may have discounts that include air bags, teen driver, early bird, good student, homeowners, and defensive driver.
• The Hartford may offer discounts for anti-theft, driver training, vehicle fuel type, good student, air bag, bundle, and defensive driver.

The information below illustrates the difference between premium costs with and without some available policy discounts. The data assumes a male driver, a clean driving record, no claims, Wisconsin state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, passive restraint, vehicle safety, defensive driving course, safe-driver, and anti-theft discounts applied. When these discounts are applied to the policy premium, the the average amount saved on auto insurance for veterans is 27% or $334.

The example below illustrates how choosing a deductible can affect insurance costs when trying to find cheap insurance for veterans. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

A 30-year-old driver could reduce rates by $176 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $268 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could roll back prices up to $536 annually just by choosing higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will now be necessary to have additional savings on hand to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Is the best company Allstate, Geico, Progressive, or State Farm?

When it comes to buying car insurance, four good companies to start with are Allstate, Geico, Progressive, and State Farm. The data below rates some of the different features that you can purchase from each one.