New Methods for Paying Less for on Madison Car Insurance

Having to pay for overpriced car insurance can empty your personal savings and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to lower your monthly bill.

Insurance companies such as GEICO, Farmers Insurance and State Farm continually bombard you with ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

You should make it a habit to get comparison quotes before your policy renews because prices are adjusted regularly by insurance companies. If you had the best price two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the best ways to eliminate unnecessary coverages and save money.

Finding Car Insurance Deals in Madison, Wisconsin

Comparing car insurance rates can be a lot of work if you don’t utilize the best way to get rate quotes. You could spend the better part of a day talking about coverages with local insurance agents in Madison, or you can utilize the internet to maximize your effort.

Most major companies enroll in a system that enables customers to submit their information once, and each company can give them a price based on that data. This eliminates the need for quotation requests for every car insurance company. To compare rates using this form now click here to open in new window.

The only downside to getting quotes like this is buyers cannot specifically choose which providers to get pricing from. If you wish to select individual companies to compare, we put together a list of low cost car insurance companies in Wisconsin. Click here for list of insurance companies in Wisconsin.

Whichever way you use, double check that you are using the exact same coverage information on every quote. If each company quotes higher or lower deductibles it’s impossible to determine the lowest rate in Madison. Slightly different limits can result in a big premium difference. And when quoting car insurance, remember that getting more free quotes provides better odds of finding a better price.

Compare online but buy from a local Madison agent

Certain consumers prefer to get advice from a local agent and that is a personal choice. The biggest benefit of comparing insurance prices online is that you can obtain better rates and still choose a local agent. And providing support for local businesses is especially important in Madison.

For easy comparison, once you complete this form (opens in new window), the quote information is immediately sent to local insurance agents in Madison who will give you bids for your coverage. There is no reason to even leave your home as quotes are delivered straight to your inbox. Now that’s easy! You’ll get the best rates and work with a local agent.

Choose the right auto insurance agent

If you’re trying to find a local agent, there are a couple of types of insurance agents that you can select. Madison agents can either be independent (non-captive) or captive.

Independent Agents (or Brokers)

These agents are not employed by any specific company so they can insure your vehicles amongst many companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and that require little work on your part. When searching for an agent, we recommend you contact at least one independent agent for the best price selection.

Listed below is a short list of independent insurance agents in Madison that may be able to provide comparison quotes.

Horace Mann Insurance Co – 4781 Hayes Rd – Madison, WI 53704 – (608) 244-7336
Jeff Swalve Agency – 3511 E Washington Ave – Madison, WI 53704 – (608) 241-8688
Transcom General Agency Inc – 216 N Midvale Blvd – Madison, WI 53705 – (608) 232-5330
Insurance Center – 1717 W Beltline Hwy # 202 – Madison, WI 53713 – (608) 273-3855
Jon Robb Agency Inc – 3830 Atwood Ave – Madison, WI 53714 – (608) 221-1149

Captive Insurance Agents

Captive agents write business for a single company and examples are AAA, Allstate and State Farm. Captives cannot place coverage with different providers so keep that in mind. Captive agencies are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Listed below are Madison captive insurance agencies that can give you price quote information.

American Family Insurance – 514 Grand Canyon Dr – Madison, WI 53719 – (608) 833-1011
State Farm Insurance – 424 S Park St – Madison, WI 53715 – (608) 257-5132
Allstate Insurance – 1914 W Beltline Hwy – Madison, WI 53713 – (608) 271-4311
Liberty Mutual Insurance – 258 Corporate Dr # 211 – Madison, WI 53714 – (608) 242-5665
Farmers Insurance Group – 2317 International Ln # 110 – Madison, WI 53704 – (608) 249-7389

To view a complete directory of car insurance agents in Madison, visit this site.

Picking an insurance agent shouldn’t rely on just a low price. Some important questions to ask are:

• Do they feel the quoted coverages are adequate?
• Do they have any clout with companies to ensure a fair claim settlement?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Do they specialize in personal lines coverage?
• How long have they worked with personal auto insurance coverage?

Upon getting good answers for all questions you ask and an acceptable price quote, chances are good that you have found an insurance agency that is a good match to properly service your car insurance policy.

Additional car insurance information can be found on the website for the Wisconsin Office of the Commissioner of Insurance located here. Wisconsin consumers can find disaster information, report car insurance fraud, read industry bulletins, and file complaints about a company.