Lower Green Bay, WI Auto Insurance Rates in Five Minutes

Are you tired of paying out the nose each month for car insurance? You’re in the same situation as millions of other consumers. Big companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with catchy ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

Consumers need to check auto insurance prices once or twice a year due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal last year you will most likely find a better rate today. So ignore everything you know about auto insurance because we’re going to show you how to use the internet to lower your annual insurance bill.

If you have a policy now or need a new policy, you can follow these tips to cut your premiums while maintaining coverages. Buying car insurance in Green Bay is easy if you know what you’re doing. Wisconsin drivers only need to know the proper methods to get comparison quotes on the web.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get big savings.

Shown below are a partial list of the pieces companies use to determine your rates.

  • More miles equals more premium – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance coverage shows the proper vehicle usage.
  • Bundling policies can get discounts – The majority of insurers provide better rates to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to shop around to ensure the best deal.
  • Do you know you’re credit rating? – Credit history is a big factor in determining your rates. If your credit is not that good, you could save money insuring your by improving your credit score. People with good credit tend to be more responsible than drivers who have lower credit scores.
  • How your age affects price – Young drivers in Wisconsin are statistically proven to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.

Quick Green Bay Auto Insurance Quotes

Most major insurance companies provide pricing on the web. Getting online quotes doesn’t take a lot of time as you simply enter the amount of coverage you want into the quote form. After the form is submitted, their system pulls reports for credit and driving violations and gives you a price quote based on these factors. This simplifies rate comparisons, but the work required to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to do this if you are searching for a better rate.

The easiest way to find cheaper rates is to use a quote form that gets prices from a lot of companies. This type of form saves time, requires much less work on your part, and makes online price comparison much simpler. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the quotes returned.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It takes less than 15 minutes and you’ll know if lower rates are available.

To quickly compare pricing, click here and input your coverage information. If you currently have coverage, we recommend you complete the form with the coverages exactly as they are listed on your policy. This way, you’re receiving rate quotes for the exact same coverage.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Most are applied at the time of quoting, but lesser-known reductions have to be asked for prior to receiving the credit. If you aren’t receiving every discount possible, you are throwing money away.

  • Federal Employees – Simply working for the federal government could cut as much as 10% off with select insurance companies.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Low Mileage – Fewer annual miles can earn a substantially lower rate.
  • Club Memberships – Being a member of a professional or civic organization could trigger savings when buying auto insurance.
  • Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiration. It can save you around 10%.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Senior Discount – If you’re over the age of 55, you may receive better auto insurance rates.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, you’re out of luck. Any amount of discount will help reduce the cost of coverage.

To choose companies with discount auto insurance rates in Wisconsin, click here to view.Green Bay insurance prices

Neighborhood agents for auto insurance

Some people just want to buy from a local agent. Agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of getting online price quotes is you may find the best rates but also keep your business local. Supporting local businesses is definitely important in Green Bay.

Once you complete this short form, your insurance data is immediately sent to participating agents in Green Bay who will give you bids for your business. There is no need to visit any agencies due to the fact that quote results will go to your email. How cool is that?!

Choose an insurance agent wisely

If you’re trying to find a good Green Bay insurance agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Agencies in Green Bay are either captive or independent. Both insure your vehicles, but it’s worth mentioning how they differ because it can influence buying decisions.

Independent Agents (or Brokers)

These agents are not required to write business for one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.

When comparing rates, we recommend you include price quotes from at a minimum one independent agency for the best price selection.

Listed below are independent insurance agents in Green Bay who may be able to give you pricing information.

Dart Insurance – 1695 E Mason St – Green Bay, WI 54302 – (920) 468-8421
Michael D Bohnert Agency – 1512 Traeger St – Green Bay, WI 54304 – (920) 965-0065
Rohleder Insurance – 1345 W Mason St # 107 – Green Bay, WI 54303 – (920) 490-8654
Roger Blau Agency – 1540 Capitol Dr # 202 – Green Bay, WI 54303 – (920) 499-6391
Novak Agency Inc – 3223 Main St – Green Bay, WI 54311 – (920) 468-3567

Agency Captives

Captive agents have only one company to place business with and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Captive agencies are trained well in insurance sales which helps them compete with independent agents.

Shown below is a short list of captive insurance agents in Green Bay that can give you rate quotes.

American Family Insurance – 2514 Glendale Ave # B – Green Bay, WI 54313 – (920) 434-6849
State Farm Insurance – 1750 Velp Ave # 2 – Green Bay, WI 54303 – (920) 429-0044
Farmers Insurance Group – 1476 Buckys Run – Green Bay, WI 54313 – (920) 819-8419
Allstate Insurance – 1900 Velp Ave – Green Bay, WI 54303 – (920) 494-7999

To view a complete directory of captive agencies in Green Bay, click here to link.

Picking a car insurance agent needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:

Green Bay insurance prices

  • What is the agency’s Better Business Bureau rating?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they regularly work with personal auto policies?
  • What insurance companies do they recommend if they are an independent agent?
  • Do they have any clout with companies to ensure a fair claim settlement?

After receiving acceptable answers to any questions you have in addition to an acceptable price estimate, most likely you have located an insurance agent that meets your needs to service your policy.

Do I need special coverages?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can help discover if your situation would benefit from professional advice.

  • Do I benefit by insuring my home with the same company?
  • Am I covered when driving a rental car?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why does it cost so much to insure a teen driver in Green Bay?
  • Where can I get insurance after a DUI in Wisconsin?
  • Can I rate high risk drivers on liability-only vehicles?
  • What happens if I owe more than my vehicle is worth?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Additional information is available on the website for the Wisconsin Office of the Commissioner of Insurance located here. Visitors are able to read state legal mandates and laws, read consumer alerts, and find a variety of consumer forms.

Other useful links include Auto Insurance 101 and this page of Green Bay insurance agents.

Best coverage at the best price

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped liability limits or collision coverage to discover at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

We covered a lot of techniques to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest premiums are with a smaller regional carrier. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

Lower-priced auto insurance is available from both online companies as well as from independent agents in Green Bay, and you should be comparing both to have the best selection. There are still a few companies who don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.