Uncover Consumer Tested Strategies to Save on Sun Prairie Wisconsin Auto Insurance

No one in their right mind cherishes buying auto insurance, especially knowing they are paying too much. Since consumers have many insurance companies to choose from, it is hard for the average consumer to locate the best provider.

Buying car insurance in Sun Prairie is not rocket science. If you have car insurance now, you will most likely be able to save some money using this information. Wisconsin vehicle owners just need to know the most effective way to get comparison rates on the web.

Discounts can save BIG

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Auto/Home Discount – When you have multiple policies with one company you may save approximately 10% to 15%.
  • No Charge for an Accident – Some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • No Claims – Claim-free drivers pay less compared to drivers who are more careless.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Homeowners Savings – Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

To choose insurers offering auto insurance discounts in Sun Prairie, follow this link.

But buying car insurance online seems impersonal

Some consumers would rather buy from a local agent and there is nothing wrong with that. Professional agents can point out coverage gaps and help file insurance claims. The best thing about comparing insurance prices online is you can get the lowest rates and still have an agent to talk to.

For easy comparison, once you complete this simple form, your information is immediately sent to agents in your area who will give you bids for your coverage. You never need to leave your computer since price quotes are sent immediately to your email address. How’s that for easy!

Picking an insurance company shouldn’t rely on just the premium amount. Here are some questions to ask:Sun Prairie WI insurance comparisons

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How long has their agency been in business in Sun Prairie?
  • Do they make recommendations based only on price?
  • How many years of experience in personal lines insurance coverages do they have?
  • Which insurance companies are they affiliated with?
  • If your car is totalled, how to they determine the replacement cost?

Choose the right car insurance agent

When searching for a reputable insurance agent or broker, you must know there are a couple types of insurance agents that you can select. Agents can either be independent (non-captive) or captive. Either one can write coverage properly, but it’s worth learning the differences because it can influence the type of agent you choose

Captive Agents

This type of agents are contracted to one company like Farmers Insurance or State Farm. They are unable to compare other company’s rates so it’s a take it or leave it situation. Captives receive extensive training in insurance sales which helps them compete with independent agents.

The following are captive insurance agencies in Sun Prairie who may provide you with price quotes.

Allstate Insurance – 1632 W Main St – Sun Prairie, WI 53590 – (608) 837-4111
State Farm Insurance – 385 E Main St – Sun Prairie, WI 53590 – (608) 837-3783

Independent Agents (or Brokers)

Independent agents are not employed by any specific company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part. When comparing rates, you should always include price quotes from at a minimum one independent agency to get the best comparison.

Below is a list of independent agencies in Sun Prairie that can give you comparison quotes.

Ritter Insurance – 100 Wilburn Rd # 103 – Sun Prairie, WI 53590 – (608) 837-2484
Metropolitan Insurance – 3807 Highway 18 – Sun Prairie, WI 53590 – (608) 663-2420
Cutler Agency – 1528 W Main St – Sun Prairie, WI 53590 – (608) 837-3307
Tom Wochinski Agency – 702 Lois Dr – Sun Prairie, WI 53590 – (608) 837-9555
Hirschinger Agency – 735 Lois Dr – Sun Prairie, WI 53590 – (608) 837-3611

For a complete listing of licensed insurance agents in Sun Prairie, click here to link.

Sun Prairie WI insurance comparisons

Once you have acceptable answers for all questions you ask as well as a affordable price, you may have just found an insurance agency that is a good match to service your policy.

Learn more about auto insurance in Wisconsin

Even more information can be read at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to read consumer alerts, discover disciplinary actions, and find out which companies have the most complaints.

Other informative sites include Wikipedia and this resource to find Sun Prairie, WI insurance agents.

Smart consumers save more

Affordable auto insurance is definitely available both online and also from your neighborhood Sun Prairie agents, so you should compare both to have the best rate selection. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

We just showed you quite a bit of information on how to reduce auto insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best prices are with an unexpected company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.