Learn How to Quote Eau Claire Wisconsin Auto Insurance Like a Pro

Cutting costs on Eau Claire auto insurance is nearly impossible for beginners to comparison shopping online. There are so many options that it can easily become a lot of work to locate the lowest price in Eau Claire.

You should make it a habit to compare rates every six months since insurance rates go up and down regularly. Despite the fact that you may have had the best price on your last policy you can probably find a lower rate today. There is too much inaccurate information about auto insurance on the web, but by reading this article, you’re going to learn some good information on how to stop overpaying for insurance.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Locating affordable protection in Eau Claire is not that difficult. But Wisconsin car owners do need to learn how companies sell insurance online and use this information to your advantage.

Decisions you make can impact your rates

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

  • What type of vehicle do you drive? – The type of car you are buying insurance for makes a big difference in the rate you pay. Economy passenger cars generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
  • Traffic violations increase rates – Your driving citation history has a big impact on rates. Drivers with clean records have lower premiums than bad drivers. Just one ticket may increase your cost forty percent or more. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Your job and insurance rates – Jobs such as doctors, business owners and dentists tend to have the highest average rates due to stressful work requirements and lots of time spent at work. Other occupations like scientists, historians and retirees receive lower rates.
  • Pay less after the wedding – Having a spouse actually saves money on your policy. Marriage usually means you are more mature and it’s statistically proven that married couples file fewer claims.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but less common discounts must be requested specifically before you get the savings.insurance quote Wisconsin

  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Driver’s Ed – Have your child enroll in driver’s education in high school.
  • Organization Discounts – Belonging to a qualifying organization could trigger savings on your policy.
  • Paperwork-free – A few companies will give a small break just for signing your application digitally online.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any qualifying discounts will bring down the cost of coverage.

For a list of insurance companies with the best auto insurance discounts in Wisconsin, click this link.

More sites with auto insurance information

Much more information about auto insurance in Wisconsin can be read on the Wisconsin Office of the Commissioner of Insurance website found here. Wisconsin consumers can view a list of available companies, read enforcement actions against agents and companies, and read consumer alerts.

Other informative sites include this online resource for auto insurance quotes in Wisconsin and this page where you can also get Eau Claire auto insurance quotes.

In Summary

Throughout this article, we presented a lot of techniques to get a better price on auto insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small mutual company.

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.

Insureds who switch companies do it for any number of reasons including unfair underwriting practices, being labeled a high risk driver, poor customer service and even delays in responding to claim requests. Whatever your reason, choosing a new company is not as hard as you think.