How to Get the Best Rates on Automobile Insurance in Wisconsin

A great time to start thinking about how to get the best rates on automobile insurance in Wisconsin is before you purchase a new vehicle. You can save money on auto coverage in Wisconsin when your vehicle meets certain discount criteria, so it only makes sense to pay attention to the kind of car you purchase if you want obtain affordable WI automobile insurance quotes.

Whether you’re browsing the car lot for a new or used vehicle, there are several points you should keep in mind that will help you obtain affordable WI automobile insurance quotes.

oFlashy, high-performance vehicles are usually more expensive to insure than modest, dependable vehicles. The same is true for convertibles, gas-guzzlers, and antiques. Look at it this way: If you purchase a modest vehicle that gets good gas mileage, not only do you increase your chances for obtaining cheap car insurance, but you also help out the environment.

oWisconsin car insurance companies love it when your vehicle is packed with safety features. Look for multiple impact air bags, automatic safety belts, anti-lock brakes, and anti-theft devices.

oSteer clear of used vehicles that have been modified, such as with car kits. Some auto insurance companies charge higher coverage premiums for altered vehicles. Too, think twice about modifying a vehicle once you’ve purchased it.

oConsider purchasing a vehicle when you have enough money to pay for it in full. If a lender has to help you pay for your car, you may also have to purchase some kind of full coverage insurance until you own the vehicle out right. Sure, it’s always safest to have full coverage, but it’s not always financially feasible. Your Wisconsin car coverage premiums will be cheaper if you only purchase the state’s minimum liability insurance requirements.

After you learn about additional ways to save money on auto coverage in Wisconsin at, apply for your free instant car insurance quotes.

How to Get the Best Rates on Automobile Insurance in Michigan

Driving without automobile insurance in Michigan is simply a bad idea. If you are caught, you can expect to pay a fine, and lose your license for a period of thirty days. Even more serious is if you are involved in a collision when you don’t have insurance. If this is the case expect to be held responsible for paying for the damage to the car you hit. These costs can easily skyrocket into thousands of dollars, so it’s easy to see why insurance is so important.

There are easy ways to find the best rates on automobile insurance in Michigan. One simple way is to combine all your insurance needs into one package. If you already have a health or home insurance policy, consider inquiring with your agent about automobile insurance. You will more than likely qualify for a discount as insurance companies reward customers who purchase more than one type of insurance from them. You can save a considerable amount of money if you buy all your insurance, including life, auto, health and homeowner from one company.

The area you live in can also impact your automobile insurance rates. There are areas in many Michigan cities that are notorious for crime. If you live in any one of these areas you can expect your automobile insurance rates to be high. The simple reason is that your vehicle is more at risk for theft or vandalism.

Another way to get the best rates on automobile insurance in Michigan is to drive less. Most insurance companies will reward drivers who qualify for a low mileage plan. If you take public transportation to work or school every day you likely already qualify. This also often applies to people who are retired or those who work from home. Contact your insurance agent and ask about this discount and what the threshold is in terms of miles per year.

How to Get the Best Rates on Homeowner’s Insurance in Ohio

People who live in Ohio know that they are part of what is considered to be tornado alley. With over fifteen tornadoes a year on average, people in this state understand the importance of having a good homeowner’s insurance policy in place.

Finding the best rates on homeowner’s insurance in Ohio isn’t difficult as long as you know what to look for when shopping for a policy. First and foremost you should know the value of your property as well as the estimated worth of your possessions. You don’t want to pay extra to insure more than you have, so buy enough coverage so that you could replace what you do own if it should be lost in a fire or if you are the victim of a home robbery.

Ask about any discounts you may be eligible for if you buy more than one type of insurance policy from one company. More and more insurance companies are now offering several types of coverage including home, life, health and car. You may qualify for a multi-policy discount by choosing just one company for all your insurance needs. Some companies are offering a percentage deduction on every policy an individual purchases from them. It’s easy to see how quickly that can add up to a substantial savings.

Another way to save money on home insurance is to ensure that your policy doesn’t provide coverage for your land. Land doesn’t need insurance, yet many insurance companies that provide property protection automatically include it in the policy cost.

Not having any smokers in the home has both health benefits as well as insurance benefits. Some insurers will offer a rate reduction if everyone who lives on the property is a non-smoker. This is because they view it as less risky in terms of a house fire. Mention this fact to any agents you contact in pursuit of a homeowner’s insurance quote.