Learn How to Pay Less and Get More for Superior Car Insurance

If you are a novice to online car insurance shopping, you can be overwhelmed by the large number of car insurance companies offering coverage in Superior.

Smart consumers take time to check car insurance prices quite often due to the fact that insurance rates are usually higher with each renewal. Just because you had the lowest rates a year ago you will most likely find a better rate today. There is a lot of wrong information about car insurance on the internet, so with this article, you’re going to get some proven techniques to quit paying high car insurance rates.

Understand what determines the rate you pay

It’s important that you understand the factors that play a part in calculating the price you pay for car insurance. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get better car insurance rates.

  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but men cause more damage. Men also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Save money with special equipment – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Rural vs Urban Areas – Choosing to live in small towns and rural areas has it’s advantages when insuring your vehicles. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. Drivers in populated Wisconsin areas regularly have congested traffic and longer commute times. Higher commute times can result in more accidents.
  • Please use or commuting – The higher the mileage driven in a year’s time the more you will pay for car insurance. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your car insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money.

How to Compare Superior Car Insurance Costs

The are a couple different ways to compare rate quotes from different in Superior, WIinsurance companies. The best method to find the cheapest insurance rates consists of shopping online. This is very easy and can be done in several different ways.

  1. The most efficient way to get quotes is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating repetitive form submissions for each company. One form submission will return price quotes instantly. It’s definitely the quickest method.
  2. A different way to get quotes online consists of going to each company’s website to request a price quote. For sake of this example, let’s say you want to compare State Farm, Progressive and Travelers. You would have to visit each site to input your insurance information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in Superior, click here.

  3. The most time-consuming method to get comparison rates is driving to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. Drivers can compare the best prices online and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just compare the exact same coverages and limits for each comparison quote. If your comparisons have different liability limits it will be impossible to truly determine the lowest rate in Superior. Slightly different coverages may cause a big price difference. Just remember that quoting more provides better odds of finding the best rates.

More discounts equal less premium

Companies offering auto insurance don’t necessarily list every discount very well, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accidents.
  • No Claims – Drivers with accident-free driving histories can save substantially compared to frequent claim filers.
  • Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break when buying car insurance.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Auto/Life Discount – Some companies give lower rates if you buy auto and life insurance together.
  • E-sign – Certain companies will give a small break for buying your policy online.
  • Discount for New Cars – Insuring a new car can save up to 30% compared to insuring an older model.

Keep in mind that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of providers with the best car insurance discounts in Wisconsin, click here to view.

What happened to insurance agents?

Certain consumers would prefer to visit with an insurance agent and that is a personal choice. The best thing about price shopping on the web is the fact that you can find the best rates and still choose a local agent.Car insurance in Superior WI

After completing this simple form, the coverage information gets sent to companies in Superior who will return price quotes for your business. You don’t have to drive around because quoted prices will be sent to your email. It doesn’t get any easier! You’ll get the best rates and an insurance agent to talk to.

Picking an provider should depend on more than just the bottom line cost. These are valid questions to ask:

  • Do the companies they represent have a solid financial rating?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Who is covered by the car insurance policy?
  • Did they already check your driving record and credit reports?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Pick the best auto insurance agent in Superior for you

When looking for a reliable agent, there are a couple of different types of agents from which to choose. Insurance agencies in Superior are classified as either independent (non-captive) or captive.

Agency Captives

This type of agents can only write with one company such as AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. Captive agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only choose to use a captive agent mainly due to high brand loyalty and solid financial strength.

Shown below is a list of captive insurance agents in Superior willing to provide rate quotes.

  • State Farm Insurance – 2619 Tower Ave # A – Superior, WI 54880 – (715) 395-6083
  • American Family Insurance – 508 22nd Ave E – Superior, WI 54880 – (715) 395-1777
Independent Insurance Agents

Independent agencies are not required to write business for one company but instead can place your coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.

When searching for an agent, you should always include at a minimum one independent agency to ensure the widest selection of prices. They also have the ability to place coverage with lesser-known insurance companies which can be an advantage.

Shown below is a short list of independent insurance agencies in Superior that can give you price quote information.

  • Korhonen Agency – 1705 Tower Ave # 101 – Superior, WI 54880 – (715) 394-2882
  • Gary Perkins Agency Inc – 5819 Tower Ave – Superior, WI 54880 – (715) 395-9612
  • Gordon C Laakso Agency – 1312 Belknap St # B – Superior, WI 54880 – (715) 392-4000
  • De Smet Insurance – 2104 E 5th St – Superior, WI 54880 – (715) 398-3877
  • Holden Insurance Inc – 1101 Tower Ave – Superior, WI 54880 – (715) 394-7741

To view a complete directory of car insurance agents in Superior, visit this site.

Wisconsin insurance prices

After getting answers to your satisfaction to your questions and a low price estimate, it’s possible that you found an insurance agent that meets your needs to adequately provide car insurance.

More detailed Wisconsin car insurance information can be read at the Wisconsin Office of the Commissioner of Insurance website. Consumers can read state legal mandates and laws, find a variety of consumer forms, read enforcement actions against agents and companies, and learn about insurance regulations.

More effort can pay off

The cheapest car insurance is definitely available from both online companies and with local Superior insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Drivers who switch companies do it for any number of reasons including delays in paying claims, policy non-renewal, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason, finding a great new company can be easy and end up saving you some money.

When trying to cut insurance costs, never skimp on coverage in order to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your focus should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.