Uncover Rock Solid Methods to Save on Milwaukee, WI Auto Insurance

Are you overwhelmed by the crazy number of auto insurance companies in Milwaukee? You’re not alone. People have so many choices that it can easily become a real hassle to find lower rates.

If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. This information will instruct you on how to get cheap Milwaukee car insurance quotes and some money-saving tips. But Wisconsin consumers do need to know the way insurance companies price insurance differently and apply this information to your search.

Why some people pay less for insurance in Milwaukee

It’s important that you understand the different types of things that come into play when calculating your auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

The list below includes some of the items companies use to determine prices.

Multiple policies with one company can save – Many insurers provide better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to compare rates to make sure you are getting the best deal.
Having a spouse can save you money – Being married can get you a discount on your policy. Marriage is viewed as being more mature than a single person and statistics show married couples file fewer claims.
What are your deductibles? – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims are a windshield shattered by a rock, damage from fire, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The more expense you’re willing to pay, the lower your rates will be.
Poor credit can mean higher rates – Your credit score is a large factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could pay less to insure your by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers with poor credit.
Do men or women drive better? – Statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Both sexes cause accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as DWI and reckless driving.
Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. These vehicles result in less severe injuries and better occupant protection means lower claim amounts and lower rates for you.

Finding Auto Insurance in Milwaukee, WI

Most major insurance companies such as Allstate and Progressive provide pricing online. The process is pretty painless as you just enter the coverages you want as requested by the quote form. Once entered, their rating system automatically retrieves your credit score and driving record and provides a quote.

This simplifies rate comparisons, but having to visit several different sites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes in order to find a lower rate.

The quickest way to lower your rates requires only one form to get prices from multiple companies. It’s a real time-saver, reduces the work, and makes comparison shopping a lot less work. Immediately after submitting the form, it is quoted and you can choose any one of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. The entire process only takes a few minutes and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend that you enter the coverage information as shown on your current policy. This makes sure you will receive comparison quotes for exact coverage.

You probably qualify for some discounts

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so we break down some of the best known and the harder-to-find savings tricks you should be using.

Paperless Signup – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
Anti-theft System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
New Car Discount – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Auto/Home Discount – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.
Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
Lower Rates for Military – Being on active duty in the military could mean lower rates.
Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.
Good Student – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
Senior Discount – Older drivers may qualify for reduced rates.
Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than drivers with accidents.

Keep in mind that most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.

Local Milwaukee agents and auto insurance

Certain consumers just want to buy from a licensed agent and that is a personal choice. The best thing about comparing rates online is you can get the lowest rates but still work with a licensed agent.

After filling out this form (opens in new window), the quote information is submitted to companies in Milwaukee who will give you bids to get your business. You don’t have to leave your house due to the fact that quote results will go straight to your inbox. How cool is that?! You can find the lowest rates and work with a local agent. Milwaukee WI auto insurance

Deciding on a company requires more thought than just a cheap price. Some important questions to ask are:

What is the agency’s Better Business Bureau rating?
Do they carry Errors and Omissions coverage?
If your car is totalled, how to they determine the replacement cost?
Which company do they place the most coverage with?
Do the companies they represent have a solid financial rating?
How long has their agency been open in Milwaukee?

What type of Milwaukee car insurance agent is right for you?

When searching for a local agent, there are two different types of agents that differ in how they can insure your vehicles. Milwaukee agents are either captive or independent (non-captive).

Captive Insurance Agents

Captive agents can only place business with one company such as State Farm or Allstate. They are unable to give you multiple price quotes so keep that in mind. Captive agents are very knowledgeable on their products and sales techniques which can be an advantage. Some people will only buy from captive agents mostly because of the brand legacy and strong financial ratings.

The following are Milwaukee captive insurance agents who may provide you with rate quotes.

Farmers Insurance Group – 331 N 61st St # A – Milwaukee, WI 53213 – (414) 771-1688
American Family Insurance – 6117 W Capitol Dr – Milwaukee, WI 53216 – (414) 466-3350
State Farm Insurance – 2534 S Kinnickinnic Ave # 100 – Milwaukee, WI 53207 – (414) 483-3300
Allstate Insurance – 3306 S 27th St – Milwaukee, WI 53215 – (414) 384-1200

Independent Agents

Independent insurance agents do not work for one specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies.

When shopping rates, you should always get quotes from at least one independent agent for maximum quote selection.Many can place coverage with lesser-known insurance companies which can save you money.

Below is a list of independent insurance agencies in Milwaukee who can help you get price quotes.

Schnoll Insurance Svc Agency – 5555 N Port Washington Rd #303 – Milwaukee, WI 53217 – (414) 332-3100
Unisource Insurance Assoc – 10425 W North Ave – Milwaukee, WI 53226 – (414) 774-7040
Deerwood Insurance – 224 N 76th St – Milwaukee, WI 53213 – (414) 259-9293
Luster Agency – 4222 W Capitol Dr – Milwaukee, WI 53216 – (414) 444-3233
Steve Roginske Agency – 12201 W North Ave # 102a – Milwaukee, WI 53226 – (414) 771-4700

To view a full list of auto insurance agents in Milwaukee, please go to this site.

Upon getting satisfactory answers for all questions you ask and locked in a price quote, most likely you have located an insurance agent that will provide auto insurance coverage.

What coverages do I need?

When it comes to buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your insurance needs could use an agent’s help.

What discounts do I qualify for?
Do I need to file an SR-22 for a DUI in Wisconsin?
How high should my medical payments coverage be?
Should I buy only the required Wisconsin minimum liability coverage?
Why am I be forced to buy a membership to get insurance from some companies?
Can I still get insurance after a DUI?
Do I qualify for additional discounts?
What if I don’t agree with a claim settlement offer?
How can I get high-risk coverage after a DUI?
Does liability extend to a camper or trailer?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

More detailed Wisconsin auto insurance information is available at the Wisconsin Office of the Commissioner of Insurance website. Visitors are able to discover disciplinary actions, read consumer alerts, and find out industry alerts.

Also read more on Wikipedia and this page where you can research Milwaukee insurance agents.

Online plus local equals savings

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. In many cases, consumers will sacrifice physical damage coverage and learned later that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Drivers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in paying claims, policy cancellation or even high prices. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

Cheaper auto insurance is definitely available online in addition to many Milwaukee insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.