Tightwads Guide for Saving on New Berlin Wisconsin Car Insurance

Are you overwhelmed by the crazy number of car insurance company choices in New Berlin? Lot’s of other consumers are too. Consumers have so many choices that it can turn into a lot of work to locate the lowest price.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. The purpose of this post is to tell you the best way to quote coverages and some tips to save money. Although Wisconsin consumers must understand the way insurance companies price insurance differently and take advantage of how the system works.

Car Insurance Comparison Rates in New Berlin, WI

When shopping for car insurance there are multiple ways of comparing rate quotes from different in New Berlin, WIinsurance companies. The simplest method to compare insurance prices consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

  1. One of the simplest ways consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for multiple quote forms to each individual car insurance company. One form gets you coverage quotes from car insurance companies with the best prices. It’s the fastest way to compare.
  2. A more difficult way to obtain and compare quotes online consists of going to the website of each company to complete their respective quote request forms. For examples sake, we’ll pretend you want comparison quotes from State Farm, Progressive and Allstate. To get each rate you 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 New Berlin, click here.

It doesn’t matter which method you choose, just make sure you use apples-to-apples quote information with each company. If you enter different values for each quote you can’t possibly find the best deal in New Berlin. Having just a slight variation in coverage limits may result in large price differences. And when comparing car insurance rates, know that comparing a large number of companies gives you a better chance of getting lower pricing.

Educated Consumers Know How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the rating factors that help determine your car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

The following are some of the items companies use to determine premiums.insurance quote New Berlin Wisconsin

  • Do you qualify for a multi-policy discount? – Most car insurance companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you still need to shop around to verify if the discount is saving money. You may still be able to find better rates by buying insurance from more than one company.
  • Don’t skimp on liability – Your policy’s liability coverage provides coverage in the event that a jury decides you are liable for damages from an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Safer cars cost less to insure – Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.
  • Lower deductibles cost more – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are collision with another vehicle, damage from fire, or theft. Deductibles for physical damage are the amount of money you are required to spend in the event of a claim. The more expense you are required to pay out-of-pocket, the less your car insurance will be.

These discounts can slash car insurance rates

Car insurance companies don’t always list every discount in an easy-to-find place, so we researched both the well known as well as the least known discounts you could be receiving.

  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • No Claims – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Save over 55 – Older drivers may be able to get better car insurance rates.
  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more if you qualify.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

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

When might I need the advice of an agent?

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if you may require specific advice.

  • When should my teen driver be added to my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I crash into my own garage door?
  • Do I benefit by insuring my home with the same company?
  • Do I have any recourse if my insurance company denies a claim?
  • What is covered by UM/UIM coverage?
  • When would I need rental car insurance?
  • Do I need higher deductibles?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

In conclusion

We just covered some good ideas how you can shop for car insurance online. The key concept to understand is the more you quote, the higher the chance of saving money. You may even discover the biggest savings come from the least-expected company.

insurance quote New Berlin Wisconsin

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, poor customer service and even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. In too many instances, drivers have reduced collision coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest price.

More sites with car insurance information

More detailed Wisconsin car insurance information is located at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, learn about specific coverages, and find a variety of consumer forms.