Buy Sun Prairie Auto Insurance Like a Tightwad

Are you overwhelmed by the number of auto insurance options in Sun Prairie? You’re not the only one! People have so many options that it can easily become a real hassle to locate the lowest price.

The purpose of this post is to help you learn the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will be able to save some money using these tips. Wisconsin vehicle owners only need an understanding of the most effective way to get comparison quotes online.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be inquired about before you get the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Bundle and Save – When you have multiple policies with one company you may save approximately 10% to 15%.
  • Own a Home – Being a homeowner may trigger a auto insurance policy discount because owning a home shows financial diligence.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free for a certain period of time.
  • Accident Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • Distant Student – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.

Consumers should know that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will bring down the amount you have to pay.

Low Cost Sun Prairie Auto Insurance

There are several ways you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in Sun Prairie, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program that enables customers to send in one quote, and each company returns a competitive quote based on that data. This system prevents you from having to do quotation requests to each company.

To compare rates now click here to open in new window.

One minor caviat to doing it this way is you are unable to specify the insurers to get pricing from. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of companies who write auto insurance in Wisconsin. Click here for list of insurance companies in Wisconsin.

Which method you use is up to you, but be sure to compare the exact same coverage limits and deductibles on every quote. If each company quotes mixed coverages it’s impossible to make an equal comparison in Sun Prairie.

Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. Understanding what influences your rates enables informed choices that can help you get better auto insurance rates.

The following are a partial list of the pieces auto insurance companies consider when setting your rates.

  • Being married can save on auto insurance – Being married can get you a discount on your auto insurance policy. It means you’re more responsible it has been statistically shown that married couples file fewer claims.
  • Don’t buy coverages you don’t need – There are quite a few extra coverages that you can get tricked into buying when buying auto insurance. Things like personal injury protection, accidental death and membership fees are examples of these. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Too many auto insurance claims drive up costs – Insurance companies in Wisconsin award better rates to insureds who file claims infrequently. If you file claims often, you can expect either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.
  • Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates.

Can’t I compare rates from local Sun Prairie agents?

Certain consumers prefer to sit down with an agent. Educated insurance agents can help determine the best coverages and help submit paperwork. The biggest benefit of getting online price quotes is you may find the best rates but still work with a licensed agent. And supporting local businesses is important particularly in Sun Prairie.

For easy comparison, once you complete this short form, the coverage information is instantly submitted to participating agents in Sun Prairie who will return price quotes for your business. There is no reason to leave your computer as quotes are delivered to your email. Now that’s easy!

Pick the best insurance agent in Sun Prairie for you

When finding a good Sun Prairie insurance agent, there are a couple of types of agencies that you can select. Agencies in Sun Prairie can either be independent (non-captive) or captive. While both can properly insure your vehicles, but it’s worth learning the differences since it can impact buying decisions.

Independent Agents

These agents are not locked into one company but rather can write business with lots of companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.

When shopping rates, it’s recommended you include price quotes from several independent insurance agents for maximum quote selection. They also have the ability to place coverage with smaller companies who may have lower rates.

The following is a short list of independent insurance agencies in Sun Prairie that can give you competitive price quotes.

  • Metropolitan Insurance – – Sun Prairie, WI 53590 – (608) 663-2420
  • Fassbender Agency – 600 W Main St – Sun Prairie, WI 53590 – (608) 837-8000
  • Hirschinger Agency – 735 Lois Dr – Sun Prairie, WI 53590 – (608) 837-3611
  • Ohio Casualty Insurance Co – 1010 Musket Ridge Dr – Sun Prairie, WI 53590 – (608) 825-3276
  • Cutler Agency – 1528 W Main St – Sun Prairie, WI 53590 – (608) 837-3307
Captive Insurance Agents

These agents have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot shop your coverage around so they have no alternatives for high prices. Captive agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from captives primarily because of the prominence of the brand and solid financial strength.

The following are captive insurance agencies in Sun Prairie that are able to give comparison quotes.

  • State Farm Insurance – 385 E Main St – Sun Prairie, WI 53590 – (608) 837-3783
  • Allstate Insurance – 425 W Main St – Sun Prairie, WI 53590 – (608) 825-7963

For a full directory of captive insurance agencies in Sun Prairie, visit this site.

Picking an auto insurance agent shouldn’t rely on just a cheap price. These questions are important to ask:

Sun Prairie Wisconsin insurance comparisons

  • Are claim adjusters local or do you have to take your car somewhere else?
  • How much will you save each year by using a higher deductible?
  • How long has their agency been open in Sun Prairie?
  • Do they carry Errors and Omissions coverage?
  • Is the agent and/or agency licensed to do business in Wisconsin?
  • Which company do they place the most coverage with?
  • How often do they review policy coverages?

Once you have good answers to any questions you have in addition to an acceptable price estimate, it’s possible that you found an insurance agency that is a good match to properly service your auto insurance policy.

Better coverage you can count on

You just learned many ideas to reduce auto insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a lesser-known regional company.

When shopping online for auto insurance, it’s a bad idea to reduce needed coverages to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at a price you can afford.

Lower-priced auto insurance is attainable from both online companies in addition to many Sun Prairie insurance agents, so compare prices from both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and these smaller companies work with independent agents.

More information is available on the Wisconsin Office of the Commissioner of Insurance website through this link. Wisconsin consumers can find out industry alerts, read industry bulletins, and file complaints about a company.