Save Money on Neenah Car Insurance Rates in Five Minutes

Confused by the sheer number of car insurance options in Neenah? Lot’s of other consumers are too. Consumers have so many options available that it can easily become a lot of work to find the perfect company for you.

Finding the best rates in Neenah is not rocket science. Basically, everyone who is required by state law to have car insurance will most likely be able to lower their premiums. But Wisconsin car owners need to have an understanding of the way insurance companies market on the web and take advantage of how the system works.

Are you getting all your discounts?

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we break down both well-publicized as well as the least known ways to save on car insurance.

• Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
• Theft Prevention Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
• Drive Less and Save – Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
• Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
• Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
• Military Rewards – Being on active duty in the military can result in better rates.
• Federal Employees – Employees or retirees of the government may qualify you for a discount with a few car insurance companies.

It’s important to understand that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of insurance companies offering car insurance discounts in Neenah, follow this link.

Compare Quotes for Neenah Car Insurance

Most companies give price estimates directly from their websites. Getting quotes is quite easy as you simply type in your coverage preferences as requested by the quote form. Behind the scenes, their system will order your credit score and driving record and quotes a price.

This makes comparing rates easy, but the process of having to visit different websites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes if you want to find the best price on car insurance.

The better way to compare rates

A quicker way to find better car insurance pricing uses one form to return rates from several companies at one time. It saves time, requires less work, and makes online quotes much simpler. As soon as the form is sent, it gets priced and you can choose any or none of the quotes returned. If you find a better price you simply finish the application and buy the policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend you enter your coverages identical to your current policy. Doing this assures you will have rate comparison quotes based on the exact same insurance coverage.

Components of your insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

• Better credit scores mean better rates – A driver’s credit score is a huge factor in determining what you pay for car insurance. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. So if your credit is low, you could save money insuring your by improving your credit score.
• Too many car insurance claims drive up costs – If you are a frequent claim filer, you can pretty much guarantee higher rates. Companies in Wisconsin give discounts to drivers who do not file claims often. Insurance coverage is meant to be used in the event of the large, substantial claims.
• Your car insurance rates can be influenced by your job – Occupations like judges, social workers and dentists are shown to have the highest average rates because of high stress levels and lots of time spent at work. Other occupations like farmers, historians and retirees pay the least.
• Type of vehicle determines base rates – The type of vehicle you are insuring makes a huge difference in the rate you pay. Economy passenger cars usually have the lowest rates, but the final cost of insurance is determined by many other factors.
• What are your deductibles? – Deductibles for physical damage represent how much money you are required to spend before your car insurance pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply are colliding with a building, damage caused by hail, and windstorm damage. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.
• Proper usage rating affects rates – The more you drive each year the higher your rate. The majority of insurers price each vehicle’s coverage based on their usage. Vehicles that are left in the garage can get a lower rate compared to those used for work or business. Verify your car insurance policy properly reflects the correct driver usage, because it can save money.
• Mature drivers pay less – More mature drivers are more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers have a tendency to be more careless when driving and because of this, their car insurance rates are much higher.
• High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders.

Can you really save that much by switching?

Companies like Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. All the ads say the same thing of big savings if you change to their company. How can each company make almost identical claims?

All the different companies have a preferred profile for the type of customer they prefer to insure. An example of a profitable customer might be a mature driver, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.

Potential insureds who don’t meet the requirements will have to pay a higher premium which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save money. That’s why insurance companies can confidently advertise the way they do. Because of the profiling, it’s extremely important to get as many quotes as possible. It’s just too difficult to predict which company will provide you with the cheapest rates.

In the end, you save

As you prepare to switch companies, never reduce coverage to reduce premium. In too many instances, someone dropped uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

We just presented many tips how you can lower your car insurance rates. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

The cheapest car insurance is possible online in addition to many Neenah insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and most of the time these small insurance companies sell through independent agents.

Even more information is located at the Wisconsin Office of the Commissioner of Insurance website. Wisconsin consumers can download brochures, file complaints about an insurance agent or broker, view a list of available companies, and file complaints about a company.