Save Money on Racine Wisconsin Car Insurance Rates in Five Minutes

Confused by the wide range of car insurance companies in Racine? You’re not alone. People have so many options available that it can quickly become a real hassle to find the perfect company for you.

How to Compare Car Insurance Costs in Racine, WI

Shopping for lower car insurance rates is a ton of work if you don’t know the most efficient way to do it. You can waste a lot of time driving to agents in Racine, or you could save time and use online quotes to get the quickest rates.

Most of the best insurance companies enroll in a system where insurance shoppers complete one form, and each participating company then gives them pricing determined by their information. This system prevents you from having to do quote forms to each company.

To compare rates now click here to start a free quote.

One minor caviat to getting quotes like this is that you can’t choose which companies you want pricing from. So if you want to select from a list of companies to receive pricing from, we have a listing of car insurance companies in Wisconsin. Click here to view list.

Whichever method you choose, be sure to compare exactly the same coverage limits and deductibles on every quote. If the quotes have different limits and deductibles on each one then you won’t be able to make an equal comparison in Racine. Having just a slight variation in coverages can make a big difference in price. It’s important to know that obtaining a wide range of quotes will enable you to find a lower rate.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but you may find discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but a few must be asked for prior to getting the savings.

  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.
  • Government Employees – Active or retired federal employment can save as much as 8% depending on your company.

Drivers should understand that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way. But any discount will reduce your money in Racine

For a list of providers with the best car insurance discounts in Racine, click this link.

Get Cheaper Rates by Understanding Pricing

It’s important that you understand the factors that help determine the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. They both cause accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like reckless driving and DUI.
  • Always keep insurance in force – Allowing your coverage to lapse will be a guaranteed way to bump up your car insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a steep fine or even jail time.You may need to submit proof of financial responsibility or a SR-22 with the Wisconsin DMV.
  • Do you have enough liability coverage? – Liability coverage provides coverage in the event that you are found liable for damages from an accident. Liability provides for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • More people means more accidents – Choosing to live in less populated areas has it’s advantages when it comes to car insurance. Less people living in that area translates into fewer accidents. Drivers in populated Wisconsin areas have to deal with congested traffic and longer commutes to work. More time on the road means more change of being in an accident.
  • Cautious drivers pay less – Careful drivers tend to pay less for car insurance than their less careful counterparts. Just one citation can boost insurance rates by as much as thirty percent. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • What type of vehicle do you drive? – The type of vehicle you drive makes a substantial difference in the rate you pay. Low performance passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as doctors, social workers and financial analysts have higher average rates in part from stressful work requirements and long work days. Conversely, jobs such as farmers, engineers and performers get better rates.

Insurance agents can help

When buying coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • Is Wisconsin a no-fault state?
  • Are my friends covered when driving my vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • How high should my medical payments coverage be?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • What is the difference between comprehensive and collision coverage?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What companies insure drivers after a DUI or DWI?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Additional car insurance information can be read on the Wisconsin Office of the Commissioner of Insurance website through this link. Wisconsin consumers can read enforcement actions against agents and companies, find a variety of consumer forms, and find disaster information.

Can you really save $440 a year?

Companies like State Farm, Allstate and GEICO consistently run ads on television and other media. All the ads have a common claim that you’ll save big if you change your coverage to them. How can each company claim to save you money? This is how they do it.

All the different companies can use profiling for the type of driver that earns them a profit. For example, a desirable insured might be between 30 and 50, a clean driving record, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” will get very good rates and most likely will save when switching.

Potential insureds who fall outside these standards will be quoted more money and this can result in the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save money. That’s why insurance companies can confidently make the claims of big savings.

Racine WI auto insurance

This emphasizes why it’s extremely important to compare as many rates as you can. Because you never know which company will provide you with the cheapest rates.

Smart consumers save more

Cheap car insurance is possible from both online companies as well as from independent agents in Racine, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

We just presented many ways to lower your car insurance rates. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the best price on car insurance is with an unexpected company.