Save Money on Stevens Point Auto Insurance Rates in Five Minutes

Are you confused by the dozens of auto insurance choices in Stevens Point? You’re not alone. You have so many options that it can turn into a real challenge to compare prices.

It’s smart to compare rates every six months since insurance rates are adjusted regularly by insurance companies. If you had the best deal six months ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you’re about to find out how to quote online to buy cheaper auto insurance.

Comprehensive Auto Insurance Comparison in Stevens Point, WI

The are a couple different ways of comparing rate quotes from local in Stevens Point, WIauto insurance companies. The quickest method to find the cheapest insurance rates is simply to get online rate quotes. This can be accomplished in several different ways.

  1. The best way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating boring form submissions for each company. Taking the time to complete one form will get you price quotes from multiple companies. It’s definitely the quickest method.
  2. A slightly less efficient method to obtain and compare quotes online requires a trip to each company website and request a quote. For examples sake, we’ll assume you want to compare Nationwide, Progressive and GMAC. You would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Stevens Point, click here.

It’s your choice how you get your quotes, but ensure you’re using identical coverages on every quote you get. If your comparisons have different values for each quote it’s not possible to determine the best price in Stevens Point. Slightly different coverage limits may cause a big price difference. And when comparing auto insurance rates, know that getting more free quotes will enable you to find the best rates.

Can switching companies really save?

Auto insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all make an identical promise that you’ll save big if you change to their company. How can each company make the same claim?

All companies have a certain “appetite” for the right customer that earns them a profit. For instance, a desirable insured might be profiled as over the age of 50, owns a home, and has a high credit rating. A propective insured who fits that profile receives the best rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to the “perfect” profile must pay more money and ends up with business not being written. The ads state “customers who switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently advertise the savings. This illustrates why you should get a wide range of price quotes. You cannot predict which auto insurance company will have the lowest rates.

Get Cheaper Rates by Understanding Pricing

An important part of buying insurance is that you know the different types of things that play a part in calculating auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that could result in lower auto insurance prices.

Shown below are some of the items used by your company to calculate premiums.

  • Policy add-ons can waste money – There are a lot of extra bells and whistles that you can buy on your auto insurance policy. Insurance for personal injury protection, towing coverage and term life insurance may be costing you every month. They may seem good initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Please use or commuting – The more miles you rack up on your car in a year’s time the higher your rates will be. Almost all companies apply a rate based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your auto insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • More than one policy can earn a discount – Some auto insurance companies give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to make sure you are getting the best deal.
  • Where you live is a factor – Choosing to live in less populated areas can be a good thing when buying auto insurance. City drivers regularly have much more traffic and longer commute times. Lower population means reduced accidents as well as less vandalism and auto theft.

Discounts are great for lower rates

Auto insurance companies don’t list every discount very clearly, so here is a list both the well known and the harder-to-find auto insurance savings.

  • Employee of Federal Government – Simply working for the federal government can save as much as 8% with select insurance companies.
  • Drivers Ed for Students – Have your child complete a driver education course in school.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy qualifies for this discount.
  • Early Switch Discount – Some companies give discounts for switching policies before your current policy expires. It’s a savings of about 10%.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

You may need specialized coverage

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if you may require specific advice.

  • Why am I required to buy high-risk coverage?
  • Can I still get insurance after a DUI?
  • What should my uninsured motorist coverage limits be in Wisconsin?
  • Am I covered if I wreck a rental car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my personal policy cover me when driving my company car?
  • How do I file an SR-22 for a DUI in Wisconsin?
  • Are rental cars covered under my policy?
  • Does my vehicle need full coverage?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

More comparisons equals lower rates

We just presented quite a bit of information on how to compare auto insurance prices online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with a lesser-known regional company.

save money concept

People who switch companies do it for a variety of reasons including questionable increases in premium, unfair underwriting practices, high rates after DUI convictions or even being labeled a high risk driver. No matter why you want to switch, choosing a new company can be pretty painless.

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where someone sacrificed liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

More detailed Wisconsin auto insurance information is available at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to discover disciplinary actions, read consumer alerts, learn about specific coverages, and find out which companies have the most complaints.

Other informative sites include these car insurance answers and