New Methods for Paying Less for on Appleton, WI Car Insurance

Scraping up a payment for overpriced car insurance can take a big chunk out of your bank account and put the squeeze on your family’s finances. Comparison shopping is a smart way to make sure you’re not throwing money away.

With so many insurance providers from which to choose, it can be diffult for consumers to locate the most cost effective provider.

It’s a good idea to check car insurance prices quite often due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best rates a few years ago you can probably find a better price now. Don’t believe everything you read about car insurance on the internet, so by reading this article, you’re going to learn some tested techniques to put money back in your pocket.

How to Get Cheap Car Insurance in Appleton

All the larger car insurance companies provide prices on their websites. The process is quite simple as you simply enter your coverage preferences into a form. Behind the scenes, their rating system collects credit information and your driving record and returns pricing information based on many factors. Being able to quote online makes comparing rates easy, but the time required to go to several different sites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you are searching for better car insurance pricing.

The better way to compare rates

The quickest way to get multiple rate quotes uses one form that analyzes rates from many companies. The form is fast, requires less work, and makes online shopping much simpler. After sending your information, your coverage is rated with multiple companies and you can pick any of the quotes returned. If a lower price is quoted, it’s easy to complete the application and buy the policy. It takes just a few minutes to complete and you’ll know if lower rates are available.

To save time and compare pricing, click here and fill out the form. To compare your current rates, we recommend you type in the insurance coverages exactly as shown on your declarations page. This guarantees you will receive a fair comparison using the same coverage and limits.

More discounts equal less premium

Companies don’t necessarily list every discount in a way that’s easy to find, so we break down both the well known and the more hidden discounts you could be receiving.

  • Driver Safety – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Senior Citizens – Mature drivers may be able to get better car insurance rates.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less than less cautious drivers.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house is proof that your finances are in order.
  • Accident Forgiveness – Certain companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.

Drivers should understand that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, you won’t be that lucky.

To choose providers with discount car insurance rates in Wisconsin, click here to view.

Why some people pay less for insurance in Appleton

It’s important that you understand the factors that go into determining the rates you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with better car insurance rates.Appleton WI insurance ad

  • Too many car insurance claims drive up costs – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies in Wisconsin generally give cheaper rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • The type of vehicle makes a difference – The performance level of the vehicle you are insuring makes a substantial difference in the rate you pay. The lowest base rates are usually for low performance passenger vehicles, but other factors influence the final cost greatly.
  • Add-on coverages can add up – There are quite a few extra bells and whistles that can waste your money if you aren’t careful. Insurance for rental car reimbursement, accident forgiveness and membership fees are examples of these. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • High crash test scores lower rates – Vehicles with high crash test scores get lower rates. The safest vehicles reduce injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • One company can mean more discounts – Some insurers give discounts to policyholders who buy several policies from them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to compare other company rates to verify if the discount is saving money. Drivers may still find a better deal by buying car insurance from a different company.
  • Pleasure use saves money – Driving more miles in a year’s time the more you will pay for car insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage.

Won’t my local insurance agent miss me?

A small number of people would prefer to sit down with an agent and that is a personal choice. One of the best bonuses of comparing insurance prices online is the fact that you can find lower rates but also keep your business local.

To make it easy to find an agent, after completing this short form, your coverage information is transmitted to participating agents in Appleton who will return price quotes to get your business. You don’t have to leave your computer since price quotes are sent to your email. Now that’s easy! Get lower rates AND an agent nearby.

Choosing a company shouldn’t rely on just a low price. Agents should be asked these questions:

  • How long has their agency been open in Appleton?
  • Do they feel the quoted coverages are adequate?
  • Will your rates increase after a single accident?
  • Do they carry Errors and Omissions coverage?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are they properly licensed to sell insurance in Wisconsin?
  • What are the financial ratings for the companies they represent?
  • If your car is totalled, how to they determine the replacement cost?

What type of Appleton insurance agent is right for you?

When researching a good insurance agency, there are a couple of different types of agents that you can select. Insurance agencies in Appleton are categorized either independent or captive.

Agency Captives

Captive agents are contracted to one company such as Allstate, State Farm and Farmers Insurance. They are unable to give you multiple price quotes so keep that in mind. Captive agents are trained well in insurance sales which can be an advantage.

The following is a short list of captive agencies in Appleton willing to provide comparison quotes.

Allstate Insurance – 150 W Northland Ave – Appleton, WI 54911 – (920) 730-0246
Liberty Mutual Insurance – 1901 E Capitol Dr # A – Appleton, WI 54911 – (920) 749-9799
Farmers Insurance Group – 33 Park Pl # 300 – Appleton, WI 54914 – (920) 380-0810
State Farm Insurance – 1407 N Lynndale Dr – Appleton, WI 54914 – (920) 734-5868
American Family Total Loss Ctr – 2590 S Casaloma Dr – Appleton, WI 54914 – (920) 832-9385

Independent Agents (or Brokers)

Independent agents are not employed by any specific company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent.

When shopping rates, it’s a good idea to get quotes from at a minimum one independent agency to ensure the widest selection of prices.

Below are Appleton independent insurance agencies who can help you get price quotes.

Calder Insurance – 611 N Lynndale Dr # 165 – Appleton, WI 54914 – (920) 735-9191
21st Century Insurance Agency – 2500 N Richmond St – Appleton, WI 54911 – (920) 380-7056
Jeff Geitner Insurance – 3020 E College Ave # H – Appleton, WI 54915 – (920) 731-9111
Bob Zahn Agency – 2830 N Mason St # B – Appleton, WI 54914 – (920) 731-9202
Van Handel Agency – 2500 N Richmond St – Appleton, WI 54911 – (920) 733-1440

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For a complete listing of car insurance agents in Appleton, go to this page.

Upon getting answers to your satisfaction for all questions you ask and a good coverage price, chances are good that you have found an auto insurance agent that is a good match to service your policy.

Additional detailed information can be found at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to read consumer alerts, read industry bulletins, and find disaster information.

Save 15 percent in 15 minutes? Is it for real?

GEICO, State Farm and Progressive consistently run ads on television and other media. All the companies have a common claim about savings if you change to them. But how can every company claim to save you money? It’s all in the numbers.

All companies can use profiling for the type of customer that makes them money. A good example of a desirable insured might be between the ages of 30 and 50, owns a home, and chooses high deductibles. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who don’t qualify for the requirements will have to pay a higher premium and this can result in the customer not buying. The ads say “customers that switch” not “people who quote” save that kind of money. That’s why companies can claim big savings. Because of the profiling, it’s extremely important to quote coverage with many companies. It’s just too difficult to predict the company that will give you the biggest savings.

In the end, you save

In this article, we presented many tips how you can save on car insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.