Best 8 Methods to Save on Auto Insurance in Brookfield

Buying low-cost Brookfield auto insurance on the internet can seem to be difficult for consumers new to shopping for insurance online. Because there are so many online companies available, how can consumers have a chance to compare them all to find the lowest price?

It’s important to shop coverage around occasionally since rates change regularly. Just because you found the lowest price a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to lower your rates without sacrificing coverage.

If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Buying cheaper auto insurance coverage in Brookfield is quite easy. Although Wisconsin drivers can benefit from knowing the methods companies use to price insurance differently.

Comprehensive Brookfield Auto Insurance Comparison

The are a couple different ways of comparing rates from different in Brookfield, WIinsurance companies. The easiest way to find competitive insurance rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

1. One of the best ways consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate forms for each company you want a rate for. A single, simple form will return price quotes instantly. Just one form and you’re done.
2. A more difficult way to get quotes online requires visiting the website of each company and complete a new quote form. For sake of this example, let’s say you want rates from State Farm, Liberty Mutual and Allstate. To find out each rate you need to take the time to go to each site and enter your information, and that’s why the first method is more popular.

   To view a list of companies in Brookfield, click here.

It doesn’t matter which method you choose, just double check that you are using the exact same coverage limits and deductibles for each comparison quote. If you are comparing differing limits you will not be able to decipher which rate is best in Brookfield. Quoting even small variations in coverage limits can make a big difference in price. Keep in mind that obtaining a wide range of quotes will increase your chances of finding better pricing.

Save money by taking advantage of these eight discounts

Companies that sell car insurance don’t always advertise all available discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on auto insurance.

• Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
• Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less than drivers with accident claims.
• Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• No Claims – Claim-free drivers can save substantially when compared to accident-prone drivers.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
• Discount for Good Grades – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
• Discount for New Cars – Insuring a new car can save up to 30% due to better safety requirements for new cars.
• Early Signing – Select companies give a discount for signing up before your current policy expires. This can save 10% or more.

It’s important to understand that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, you won’t be that lucky.

To see a list of insurance companies offering auto insurance discounts in Brookfield, click here to view.

When should I use an insurance agent?

When buying the right insurance coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.

• Which companies will insure high-risk drivers?
• Does my policy cover my teen driver if they drive my company car?
• Will my vehicle be repaired with OEM or aftermarket parts?
• I don’t drive much so do I pay less?
• Is my vehicle covered for flood damage?
• Does my liability insurance cover pulling a trailer or camper?
• How can I get high-risk coverage after a DUI?
• Do I need roadside assistance coverage?
• Is business property covered if stolen from my car?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Specific coverages

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive auto insurance – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, hitting a bird, damage from a tornado or hurricane and vandalism. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, dental work, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits (50/100/55 in Wisconsin), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability insurance – This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as legal defense fees, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Wisconsin state law requires minimum liability limits of 50,000/100,000/55,000 but it’s recommended drivers buy better liability coverage.

Collision – Collision coverage pays for damage to your vehicle resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, driving through your garage door, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Wisconsin auto insurance information

More detailed Wisconsin auto insurance information is available at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can find out industry alerts, learn about insurance regulations, report car insurance fraud, and view agent and company licensing information.

Other useful links include this link for Wisconsin coverage information and this resource to find Brookfield, WI insurance agents.