Little Known Advice on Cheaper Eau Claire, WI Car Insurance

Overwhelmed by the number of car insurance companies in Eau Claire? Many other drivers are as well. There are so many options available that it can be a big hassle to compare prices.

You need to check car insurance prices at least once a year because insurance rates trend upward over time. Even if you got the lowest rates on your last policy you can probably find a lower rate today. There is a lot of wrong information about car insurance on the internet, so by reading this article, you’re going to learn some good information on how to reduce your car insurance bill.

Finding affordable coverage in Eau Claire is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Although Wisconsin car owners do need to know how companies sell insurance online and take advantage of how the system works.

Discounts can save BIG

Companies don’t always publicize every discount in an easy-to-find place, so we break down some of the best known and the more hidden savings tricks you should be using.

• New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
• Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more if you qualify.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
• Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
• Distant Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
• Accident Forgiveness – A few companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
• Discount for Swiching Early – A few companies offer discounts for signing up before your current expiration date. The savings is around 10%.

It’s important to note that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

For a list of insurers who offer car insurance discounts in Wisconsin, follow this link.

Will just any policy work for me?

When it comes to choosing the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might point out if you may require specific advice.

• How much liability do I need to cover my assets?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need PIP (personal injury protection) coverage in Wisconsin?
• Does my vehicle need full coverage?
• How high should my uninsured/underinsured coverage be in Wisconsin?
• Who is covered by my policy?
• When should my teen driver be added to my policy?
• Is my business laptop covered if it gets stolen from my vehicle?
• Who is covered when they drive my vehicle?
• Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all say the same thing that you can save after switching to their company. How does each company claim to save you money?

All the different companies can use profiling for the type of driver that makes them money. For instance, a desirable insured might be over the age of 40, has no prior claims, and has a high credit rating. A driver who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Consumers who fall outside the requirements will be charged a higher premium and ends up with the customer not buying. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently make those claims. That is why it’s extremely important to get as many quotes as possible. It’s just too difficult to predict the company that will have the lowest rates.

Additional Wisconsin consumer information

Additional detailed information can be read at the Wisconsin Office of the Commissioner of Insurance website. Consumers can find out industry alerts, find a variety of consumer forms, and learn about insurance regulations.

Quote often and quote early

We just covered some good ideas how to shop for car insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the lowest priced car insurance comes from the least-expected company.

When you buy insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced liability limits or collision coverage and learned later that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at the best price.

Cheaper car insurance is possible both online and also from your neighborhood Eau Claire agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.