Things You Must Know Before Purchasing Kenosha Car Insurance Online

Are you a victim of an overpriced car insurance policy? Believe me when I say there are lots of people in the same boat. Multiple car insurance companies compete for your insurance dollar, so it can be very hard to choose a company to find the lowest price

Smart consumers take time to shop coverage around periodically because rates are rarely the same from one policy term to another. Just because you found the best rates six months ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or need new coverage, you can follow these tips to find better prices while maintaining coverages. Finding the best rates in Kenosha is not that difficult. Wisconsin consumers only need to know the tricks to get comparison quotes over the internet.

How to Get Kenosha Car Insurance Comparison Quotes

Performing a rate comparison can be exhausting if you don’t understand the most efficient way to do it. You could spend the better part of a day discussing policy coverages with insurance companies in Kenosha, or you can utilize online quotes to accomplish the same thing much quicker.

The majority of car insurance companies participate in a marketplace where insurance shoppers submit their information once, and at least one company returns a rated price based on that data. This system prevents you from having to do repetitive form submissions for every car insurance company.

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

The only drawback to getting quotes like this is you are unable to specify which carriers you want pricing from. If you wish to select from a list of companies for rate comparison, we have a listing of the cheapest car insurance companies in Wisconsin. Click here to view list.Kenosha WI insurance ad

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverage limits for every company. If you use different liability limits then you won’t be able to determine which rate is truly the best in Kenosha.

Pay less by taking advantage of discounts

Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known car insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
  • No Claims – Good drivers with no accidents pay much less when compared with frequent claim filers.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Multi-policy Discount – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount when shopping for car insurance.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.

For a list of insurers with discount car insurance rates in Kenosha, follow this link.

Why you might pay higher rates in Kenosha

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get better car insurance rates.

  • Older drivers pay less – Teenage drivers in Wisconsin tend to be careless and easily distracted when driving so they pay higher car insurance rates. If you’ve ever had to add a teenage driver to your policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.
  • Performance level impacts rates – The performance level of the vehicle you drive makes a huge difference in determining your rates. Low performance passenger models receive the most favorable rates, but other factors influence the final cost greatly.
  • High credit ratings translate to low rates – Credit score is a important factor in determining your rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower ratings. If your credit rating is low, you could be paying less to insure your by repairing your credit.
  • Women pay lower rates – The statistics show that women are safer drivers than men. However, this does not mean women are better drivers. Men and women have accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Safer cars are cheaper to insure – Safer cars get lower rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates.
  • Rural vs Urban Areas – Choosing to live in a rural area can save you money when buying car insurance. Fewer drivers means reduced accidents and a lower car theft rate. Drivers in populated Wisconsin areas tend to have traffic congestion and longer commute times. Longer commute distances can result in more accidents.
  • An active claims history can cost you – Car insurance companies in Wisconsin provide discounts to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out if your situation may require specific advice.

  • Do I need to file an SR-22 for a DUI in Wisconsin?
  • Is a new car covered when I drive it off the dealer lot?
  • Who is covered by my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is business property covered if stolen from my car?
  • Does my vehicle qualify for pleasure use?
  • Are rental cars covered under my policy?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Kenosha WI insurance ad

More detailed Wisconsin car insurance information is located at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to read consumer alerts, read state legal mandates and laws, learn about insurance regulations, and find out which companies have the most complaints.

Final thoughts

Cheaper car insurance is attainable online in addition to many Kenosha insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. In many cases, an accident victim reduced liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the best price while still protecting your assets.