Did you know the average driver in the U.S. pays hundreds more in car insurance premiums each year than they have to? According to Nerd Wallet, many people who search for coverage have difficulty comparing rates and feel the process is far too time-consuming. Instead of finding the most affordable quote for the coverage they need, many drivers settle for a higher rate instead. Here at Frydach Insurance, we have made it our mission to ensure none of our Germantown area customers pay more than they have to for coverage. Continue reading at to learn more about the simple, no-nonsense ways you can maximize your savings on Wisconsin car insurance quotes.
Start Parking in Your Garage
If your home has a garage, use it. For most insurance companies, the perception of a car stored in a locked garage is that it is less likely to be stolen, vandalized or sideswiped during the night. If you already use your garage to store your vehicle, make sure to let your insurance agent in on the information. People who park their vehicles in garages can expect to pay less for car insurance on average than those who park on the road.
Choose Your Vehicle and Address Carefully
When it comes time to buy a new car, the vehicle you choose will have a direct impact on the amount you pay for coverage. If you want to find low quotes on premium coverage, trading your expensive sports car in for a family SUV could be the fastest way to do it. Insurance companies consider the type of vehicle you drive, its body style, safety crash test ratings, and the cost to repair or replace it when generating a quote for insurance coverage.
Similarly, if you intend to make a move in the future, it could pay to choose a low-risk zip code, such as one with low crime rates. Since car insurance companies are regulated at the state level, many people believe that coverage rates are consistent across Wisconsin. However, nothing could be further from the truth. Insurance rates can vary tremendously between cities and zip codes with same insurer. Within a single zip code, Nerd Wallet reports that multiple insurers offer premiums that vary by an average of more than 150 percent for the same type of coverage.
Make Note of Changes in Your Driving Habits
The amount you drive your vehicle affects your quotes for coverage. Drivers who operate their vehicles for recreational purposes only are more likely to pay less for car insurance premiums than drivers who commute daily to and from work. Be sure to fill in your insurance agent on your driving habits when shopping for coverage.
Raise Your Credit Score
Whether you have bad credit, good credit or no credit at all, Consumer Reports says it could be affecting your Wisconsin car insurance quotes. A good credit score can translate to significant savings with some insurance providers. If your score could use a boost, try paying down high credit balances. Paying your bills on time and avoiding new credit lines can also help optimize your score over time.