Do you want to stop overpaying and find more competitive Honda Clarity insurance in Milwaukee? Nobody that owns a car loves paying for auto insurance, especially when they are aware that their premiums are through the roof.
Sadly, a large majority of drivers have purchased from the same company for well over three years, and about 40% of consumers have never quoted auto insurance rates at all. Consumers in Wisconsin can save 30% each year by just comparing quotes, but they don’t want to spend time to compare rates.
Insurance companies such as Progressive, State Farm and GEICO promote their brand names with ads and it is difficult to see through the deception and do the work needed to find the best deal.
Save a ton with these six discounts
Companies that sell car insurance don’t always advertise every discount very clearly, so we researched both well-publicized as well as some of the hidden discounts that you may qualify for.
- Student in College – Kids living away from Milwaukee attending college and don’t have a car may be able to be covered for less.
- Claim Free – Drivers with accident-free driving histories pay much less when compared to policyholders that have many claims.
- Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease with some auto insurance companies.
- Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
- Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
- Renewal Discounts – A few insurance companies offer discounts for switching policies before your current expiration date. The savings is around 10%.
Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, you aren’t that lucky. But all discounts will positively reduce the amount you pay for coverage.
To choose auto insurance companies that can offer you the previously mentioned discounts in Milwaukee, click here to view.
Shop Honda Clarity insurance online
When quoting car insurance, remember that comparing a wide range of rates increases your odds of finding a lower rate than you’re paying now.
The providers in the list below are our best choices to provide quotes in Milwaukee, WI. If multiple companies are shown, we suggest you compare several of them to get a more complete price comparison.
Independent and exclusive car insurance agents
Many drivers would rather talk to a local agent and there is nothing wrong with that. The best thing about getting free rate quotes online is you may find the lowest rates and still buy from a local agent. Putting coverage with local agents is important especially in Milwaukee.
To help locate an agent, after submitting this form (opens in new window), your coverage information is transmitted to agents in your area that give free quotes for your coverage. There is no need to contact an agency since rate quotes are delivered directly to your email. Get lower rates without a big time investment. If you wish to get a rate quote from one company in particular, don’t hesitate to find their quoting web page and fill out their quote form.
When researching a reliable insurance agency, you need to know there are two different agency structures and how they can write your policy. Milwaukee agents may be either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agencies or Brokers
Independent insurance agents are not locked into one company and that gives them the ability to insure with a variety of different insurance companies and potentially find a lower price. If you want to switch companies, they simply move the coverage in-house and that require little work on your part. If you are comparing auto insurance prices, you definitely need to get some free quotes from at least one independent agent so that you can do a thorough price comparison.
The following are Milwaukee independent insurance agents that can possibly get you comparison quotes.
5600 W Center St – Milwaukee, WI 53210 – (414) 873-4500 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can only write with one company like Farmers Insurance or State Farm. These agents are not able to provide other company’s prices so they really need to provide good service. Exclusive agents receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets.
The following is a short list of exclusive insurance agencies in Milwaukee who can help you get rate quotes.
Finding a good car insurance agent needs to be determined by more than just a cheap quote. These questions are important to ask:
- Do they feel the quoted coverages are adequate?
- Which company do they place the most coverage with?
- Does the agency have a current Errors and Omissions policy?
- Do they review policy coverages at every renewal?
- Is their price quote a firm figure or are their hidden costs?
- Does the agency have a positive business rating?
- How long has their agency been open in Milwaukee?
Why do I need car insurance?
Even though it can be expensive, buying auto insurance serves a purpose in several ways.
First, most states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability coverage in order to be legal. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Honda Clarity, most banks will make it a condition of the loan that you buy full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Honda at a much higher rate and require you to pay the higher price.
Third, auto insurance preserves not only your vehicle but also your assets. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance are without a doubt worth the cost, particularly when you have a large claim. But the average driver in Wisconsin is currently overpaying as much as $800 each year so compare rates once a year at a minimum to be sure current rates are still competitive.
Car insurance specifics
Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.
Coverage for liability
Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/10 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims like repair costs for stationary objects, legal defense fees and bail bonds. The amount of liability coverage you purchase is up to you, but buy higher limits if possible. Wisconsin requires minimum liability limits of 25/50/10 but you should think about purchasing better liability coverage.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (Wisconsin limits are 25/50/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Comprehensive (Other than Collision)
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like rock chips in glass, hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Auto collision coverage
This coverage covers damage to your Clarity resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, hitting a parking meter, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible on your Clarity to bring the cost down.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for immediate expenses for surgery, doctor visits, pain medications and nursing services. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Smart shoppers get results
Discount Honda Clarity insurance in Milwaukee is attainable online as well as from independent agents in Milwaukee, so get free Milwaukee auto insurance quotes from both of them to have the best rate selection. Some insurance providers may not have the ability to get quotes online and many times these smaller companies work with independent agents.
We’ve covered a lot of tips how to reduce Honda Clarity insurance prices online in Milwaukee. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even discover the lowest prices come from some of the smallest insurance companies. They may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.
When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured cut liability coverage limits only to discover later that the savings was not a smart move. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.
Additional detailed information is located in these articles:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- How Much is Auto Insurance for a Nissan Versa in Milwaukee? (FAQ)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Learn About Car Insurance (GEICO)
- Vehicle Safety Ratings (iihs.org)
- Reducing Your Risks in a Car Crash Video (iihs.org)