Have you been burned by high car insurance rates? If so, we know you do not want to make the same mistake twice. At Frydach Insurance, we have assembled six ways to a great car insurance quote, protecting yourself against high car insurance premiums. Continue reading to learn how you can prevent yourself from having to pay too much for car insurance ever again.
1. Be a Smart Shopper
Being a smart shopper means remaining aware of the discounts available to you, as well as the economic factors that affect your insurance rates. This means staying on top of the average insurance rates in your state, which as of 2014, totaled $930 per year for the top 20 best-selling 2015 model year vehicles. If you live in Frydach and are paying more than that, it could be time to shop for better coverage or talk with your agent about possible discounts.
2. Offset High Premiums for Teen Drivers with Discounts
It is no secret that adding a teen driver to your policy is one of the fastest ways to send your car insurance premiums sky high. Fortunately, most Wisconsin insurers will extend discounts to students who maintain good grades in high school. While good student discounts can vary, your teen will likely need to maintain a ‘B’ average or higher to qualify.
When your kids leave for college, encourage them to leave their vehicles at home if at all possible. Generally speaking, many insurance companies will offer discounts when students leave their vehicles at home and live at least 100 miles away during the school year. Since many college campuses and the surrounding communities are pedestrian friendly or otherwise offer public transportation, chances are your student will barely miss his or her vehicle.
3. Bundle Your Policies
It’s quite likely that you have heard of “bundling” in one insurance advertisement or another. The bottom line is that insurance companies and insurance agents like to insure your vehicles along with your property for a number of reasons. To incent policyholders, they can discounts on both the auto and the property insurance whether it be a homeowners policy or a renters policy. So if you would like us to provide you with car insurance quotes, you might be better off asking for both home and car insurance quotes bundled together!
4. Shorten Your Commute
A long daily commute could set you up for higher rates. To ensure you never pay more than you have to, consider moving closer to work or school in an effort to reduce your annual mileage. If you drive less than the average person, you may qualify for steep discounts on coverage.
5. Make Smart Payments
When the time comes to pay for your auto insurance policy, do you write a check? Are you billed on a monthly basis? Instead of complicating the process, ask for a discount in exchange for paying your insurance premiums all at once instead of in monthly installments. If you cannot swing the upfront payments, consider opting for automatic payments through electronic funds transfer. Some insurers offer discounts when you sign up for paperless billing and payments.
6. Maintain a Close Relationship with Your Independent Insurance Agent
Remember, your independent insurance agent is your greatest partner in finding discounted car insurance quotes. Here at Frydach Insurance, we help Germantown area residents just like you sort through the many different types of discounts available from Wisconsin’s leading insurance carriers. Call us today to request your car insurance quotes and to speak with a helpful agent. We look forward to serving you soon.