If price shopping auto insurance online is new to you, you may be confused by the large number of companies vying for business in Wausau.
You need to check auto insurance prices periodically because rates go up and down regularly. Even if you think you had the lowest price a year ago there may be better deals available now. So forget all the misinformation about auto insurance because you’re going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.
There are a lot of ways to compare auto insurance prices and some are less time-consuming than others. You can spend your afternoon talking to insurance companies in Wausau, or you could use the web to get the quickest rates.
Most of the best insurance companies belong to a marketplace that enables customers to submit their information once, and every company can provide price quotes determined by their information. This system prevents you from having to do quote requests to each company.
To fill out one form to compare multiple rates now click here to open in new window.
The only drawback to using this type of system is that you can’t choose which carriers to get pricing from. So if you want to choose specific providers to compare rates, we put together a list of auto insurance companies in Wisconsin. Click here for list of insurance companies in Wisconsin.
Whichever way you use, ensure you’re using exactly the same coverage limits and deductibles for each price quote. If each company quotes unequal deductibles or liability limits then you won’t be able to find the best deal in Wausau. Just a small difference in limits may result in large price differences. And when comparison shopping, getting more free quotes will increase your chances of finding better pricing.
Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Some discounts apply automatically when you get a quote, but a few need to be asked about before you will receive the discount.
It’s important to note that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. But any discount will help reduce the cost of coverage.
An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that could result in big savings.
Shown below are a few of the “ingredients” companies use to determine premiums.
Some consumers would rather get advice from a local agent and that is OK! The biggest benefit of comparing rates online is you can get the lowest rates and still choose a local agent. Supporting local agencies is definitely important in Wausau.
Once you complete this form (opens in new window), the quote information is emailed to local insurance agents who will battle to get your business. There is no reason to leave your computer since price quotes are sent to the email address you provide. Now that’s easy! It’s the lowest rates AND an agent nearby.
If you’re trying to find local Wausau agents, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Wausau agents can either be independent (non-captive) or captive.
Independent agencies are not employed by any specific company but instead can place your coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part. When comparing rates, we recommend you include several independent insurance agents to have the most options to choose from. They also have the ability to place coverage with smaller companies which may provide better rates.
Below is a short list of independent agencies in Wausau that may be able to provide price quotes.
Captive agents write business for a single company like Allstate, Farmers Insurance, State Farm and AAA. They generally cannot give you multiple price quotes so they have no alternatives for high prices. Captive agents are well schooled on their company’s products and that can be a competitive advantage. Some consumers prefer to buy insurance from these agents primarily because of loyalty to the company and solid financial strength.
Shown below is a short list of captive insurance agents in Wausau that are able to give price quote information.
To view a full list of Wausau captive agencies, please view this page.
Picking an insurance agent shouldn’t rely on just the price. Agents should be asked these questions:
Upon getting reasonable responses to your questions and locked in a price quote, you have narrowed it down to an insurance agent that will provide auto insurance coverage.
When it comes to buying the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.
These are some specific questions might help in determining whether you would benefit from professional advice.
If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Additional information can be found on the Wisconsin Office of the Commissioner of Insurance website. Click here for link. Visitors are able to read industry bulletins, get help finding coverage, and file complaints about a company.
You just learned a lot of tips how to get a better price on auto insurance. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a lesser-known regional company.
When you buy insurance online, make sure you don’t reduce needed coverages to save money. There are many occasions where an accident victim reduced liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at an affordable rate.
Drivers switch companies for many reasons like questionable increases in premium, high prices, denial of a claim and even not issuing a premium refund. No matter why you want to switch, switching companies is actually quite simple.