Learn How to Cut Costs on Kenosha, WI Car Insurance

If shopping for car insurance online is new to you, it’s easy to get confused because of the huge number of car insurance companies all offering big savings in Kenosha.

Consumers should take time to compare prices occasionally since insurance rates change quite often. If you had the best price two years ago there is a good chance you can find better rates now. Starting now, forget all the misinformation about car insurance because I’m going to teach you how to use online quotes to properly buy coverages and cut your premium.

If you are insured now or are just looking to switch companies, you will benefit by learning to find better prices and possibly find even better coverage. Buying affordable car insurance in Kenosha can be fairly easy. Wisconsin drivers only need to know the most efficient way to compare company rates on the web.

Don’t miss out on these money-saving discounts

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but less common discounts must be inquired about before they will apply. If you don’t get every credit available, you’re paying more than you need to.

  • Federal Government Employee – Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Student Driver Training – Have your child take driver’s ed class in school.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Drive Less and Save – Driving fewer miles could qualify for a substantially lower rate.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Owning a home in Kenosha can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Accident Free – Claim-free drivers can save substantially when compared with accident-prone drivers.

It’s important to note that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, you’re out of luck. But any discount will reduce your premiums.

To choose insurance companies who offer car insurance discounts in Kenosha, click this link.auto insurance image

How insurance companies determine rates

Smart consumers have a good feel for the different types of things that play a part in calculating car insurance rates. Understanding what determines base rates helps enable you to make changes that could result in big savings.

  • One company can mean more discounts – Most companies will award you with lower prices to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s still a good idea to compare other company rates to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
  • Type of vehicle determines base rates – The performance level of the vehicle you are insuring makes a huge difference in how high your rates are. The most favorable rates are generally reserved for low performance passenger cars, but the final cost of insurance is determined by many other factors.
  • Your location is important – Being located in small towns and rural areas can save you money when it comes to car insurance. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large Wisconsin cities have to deal with traffic congestion and much longer commute distances. More time on the road means higher likelihood of an accident.
  • Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Keep rates low by being claim-free – Auto insurance companies in Wisconsin give cheaper rates to insureds who do not file claims often. If you tend to file frequent claims, you can expect higher rates. Your insurance policy is designed for larger claims.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates.
  • Extra coverages can waste money – There are many extra bells and whistles you can purchase when buying car insurance. Coverages for rental car reimbursement, better glass coverage and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.

Don’t believe everything you hear

Wisconsin drivers get pounded daily by advertisements for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings if you move your policy.

But how can every company say the same thing? This is how they do it.

All companies can use profiling for the type of customer that earns them a profit. A good example of a profitable customer could possibly be over the age of 50, owns a home, and has a short commute. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably save quite a bit of money when switching.

Potential insureds who don’t measure up to the “perfect” profile must pay higher rates and ends up with business not being written. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently state the savings.

This illustrates why it is so important to quote coverage with many companies. Because you never know the company that will fit your personal profile best.

Learn more about car insurance in Wisconsin

Additional information is located on the Wisconsin Office of the Commissioner of Insurance website located here. Wisconsin drivers can get help finding coverage, learn about specific coverages, view a list of available companies, and view agent and company licensing information.

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Better coverage you can count on

You just learned a lot of tips how to lower your car insurance rates. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a lesser-known regional company.

Discount car insurance can be bought from both online companies and also from your neighborhood Kenosha agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.