Never Buy Fond Du Lac Wisconsin Auto Insurance Without Knowing These Money Saving Techniques

No one in their right mind likes having to buy auto insurance, especially when the cost is too high.

Many auto insurance companies compete for your insurance dollar, so it’s not easy to compare every insurer and get the best coverage at the best rates possible.

More discounts equal less premium

Companies offering auto insurance do not advertise every discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known ways to save on auto insurance.

  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less than their less cautious counterparts.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.

It’s important to understand that many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

For a list of insurance companies with discount auto insurance rates in Wisconsin, click here.

Auto Insurance Comparison Rates in Fond Du Lac

All major auto insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get insurance quotes online. The process doesn’t take much effort as you simply type in your coverage preferences as detailed in the form. Behind the scenes, their rating system pulls reports for credit and driving violations and provides a quote determined by many factors. This streamlines rate comparisons, but the work required to visit several different sites and fill out multiple forms can be a bit repetitive. But it is imperative to have as many quotes as possible in order to find the best price possible.

Quote rates the easy way

An easier way to lower your rates utilizes a single form to get prices from multiple companies. It saves time, eliminates repetitive work, and makes online price comparison much easier to do. As soon as you send your information, it is quoted with multiple companies and you can pick any of the returned quotes. If a lower price is quoted, you can click and sign and buy the policy. The entire process takes just a few minutes to complete and could lower your rates considerably.Fond Du Lac insurance cheap

To fill out one form to compare multiple rates now, click here and input your coverage information. If you currently have coverage, we recommend you input identical to your current policy. This helps ensure you will be getting a fair comparison using the exact same coverages.

Why your price might be higher

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Credit scores impact auto insurance rates – Your credit score is a important factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit. If your credit history is low, you could save money insuring your by repairing your credit.
  • Bundling policies can get discounts – Some insurance companies provide better rates to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even if you’re getting this discount you still need to compare rates to ensure the best deal. Drivers may still find a better deal by insuring with multiple companies.
  • Always keep insurance in force – Having an insurance coverage lapse will be a guaranteed way to bump up your auto insurance costs. Not only will rates go up, but not being able to provide proof of insurance will get you a steep fine or even jail time.You may need to submit proof of financial responsibility or a SR-22 with the Wisconsin motor vehicle department.
  • Your car’s features help determine rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.

It’s not one size fits all

When choosing the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover whether or not you will benefit from professional help.

  • When do I need to add a new car to my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy additional glass protection?
  • Why does it cost so much to insure a teen driver in Fond Du Lac?
  • Am I getting all the discounts available?
  • What is the minimum liability in Wisconsin?
  • Can I still get insurance after a DUI?
  • Do I need roadside assistance coverage?
  • Is my vehicle covered for smoke damage?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Beware of misleading auto insurance ads

Companies like Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. All the ads say the same thing that you’ll save big after switching to them. But how can every company claim to save you money?

Insurance companies have a preferred profile for the driver they prefer to insure. For example, a desirable insured could be between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t measure up to the “perfect” profile will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can make those claims. This emphasizes why you should compare many company’s rates. It’s not possible to predict which company will give you the biggest savings.

Fond Du Lac Wisconsin car insurance

Final thoughts

We just presented a lot of techniques to save on auto insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. In too many instances, an insured cut uninsured motorist or liability limits only to discover later that it was a big error on their part. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Even more information is located at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to find a variety of consumer forms, file complaints about an insurance agent or broker, and read consumer alerts.

Also read more on and this page for help finding agents in Fond Du Lac, WI.