Proven Techniques for Buying Cheap Franklin Wisconsin Car Insurance

Searching for affordable Franklin car insurance on the web can seem to be difficult for beginners to comparison shopping online. When there are so many insurance companies available, how can you effectively compare every one to find the cheapest rates?

Finding affordable car insurance coverage in Franklin is simple if you know the tricks. If you are insured now or need a new policy, you can follow these tips to reduce the price you pay and possibly find even better coverage. Wisconsin drivers just need to understand the proper methods to compare prices online.

Cut your car insurance rates with discounts

The cost of insuring your cars can be expensive, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit. If you don’t get every credit you qualify for, you are throwing money away.

  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Resident Student – Youth drivers living away from home attending college and do not have a car may qualify for this discount.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. Just because you may think it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.

To choose insurers who offer car insurance discounts in Wisconsin, click this link.

What determines how much you pay?

Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

  • The more you drive the more you pay – The higher the mileage driven each year the higher your rates will be. Most companies charge to insure your cars based on their usage. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Your occupation can affect rates – Occupations like real estate brokers, social workers and dentists tend to pay the highest average rates in part from high stress and lots of time spent at work. Other jobs such as actors, historians and retirees have the lowest average rates.
  • Pay less after the wedding – Having a wife or husband can get you a discount on your car insurance policy. It means you’re more mature it has been statistically shown that married drivers get in fewer accidents.
  • Is your vehicle built for speed? – The performance of the vehicle you are insuring makes a substantial difference in your rates. The cheapest insurance rates tend to be for lower performance four cylinder passenger vehicles, but the cost you end up paying is determined by many additional factors.

Insurance agents can help

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions might help in determining if you might need an agent’s assistance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is business property covered if stolen from my car?
  • Am I covered if I wreck a rental car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do all my vehicles need collision coverage?
  • Does medical payments coverage apply to all occupants?
  • Does my vehicle need full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Your insurance agent down the street

Some consumers would prefer to talk to a local agent and there is nothing wrong with that. Educated insurance agents can point out coverage gaps and give you peace of mind. One of the great benefits of getting online price quotes is that you can obtain lower rates but also keep your business local. Buying from local insurance agencies is especially important in Franklin.

By using this short form, your insurance data is immediately sent to local insurance agents who will give you bids for your coverage. There is no reason to visit any agencies because quoted prices will be sent directly to your email. Now that’s easy!

Different types of auto insurance agents in Franklin

If you’re trying to find a good insurance agency, you must know there are a couple types of agencies that you can select. Agents are either independent (non-captive) or captive. Both write coverage properly, but it’s worth learning how they differ since it can impact buying decisions.

Independent Agents

These agents do not work for one specific company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies and that require little work on your part. When shopping rates, you should always include multiple independent agents to have the most options to choose from.Many can place coverage with smaller regional carriers who may have lower rates.

Listed below are Franklin independent insurance agents who may be able to give you competitive price quotes.

  • MSI Insurance – 11113 W Forest Home Ave # 1 – Franklin, WI 53132 – (414) 529-1558
  • Steve Brunell Insurance – 7109 S 76th St – Franklin, WI 53132 – (414) 425-2300
Captive Insurance Agents

Captive agencies are contracted to one company like AAA, Allstate and State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. They are well schooled in insurance sales which can be an advantage. Some consumers prefer to buy from captive agents mainly due to the brand legacy and strong financial ratings.

Shown below is a short list of captive insurance agents in Franklin that can give you price quotes.

  • State Farm Insurance – 7151 S 51st St – Franklin, WI 53132 – (414) 421-7000

For a complete listing of captive agents in Franklin, visit this site.

Deciding on an insurance agency requires more thought than just the bottom line cost. These questions are important to ask:

  • Are they full-time agents?
  • Is the agent and/or agency licensed to do business in Wisconsin?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Who are their largest clients?

After getting positive feedback to these questions and an acceptable price quote, you may have just found an insurance agent that can properly insure your vehicles.

save money in Franklin

Additional car insurance information is located on the Wisconsin Office of the Commissioner of Insurance website located here. Consumers can view a list of available companies, download brochures, read industry bulletins, and read enforcement actions against agents and companies.

The following information may also be useful.

What is YOUR best insurance company?

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. Too many times, drivers have reduced uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Cost effective car insurance can be found from both online companies in addition to many Franklin insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

We just showed you some good ideas how to reduce car insurance prices online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best prices are with a smaller regional carrier.