Tired of sacrificing to make your auto insurance payment? Your situation is no different than many other Wisconsin consumers.
Astonishing but true, nearly 70% of customers renewed their policy with the same company for four years or more, and nearly the majority have never even shopped around for affordable coverage. With the average premium in Wisconsin being $1,343, drivers could save themselves roughly $373 a year by just comparing rate quotes, but they don’t know how much savings they would realize if they switched to a cheaper policy. There are many insurance companies to buy insurance from, and even though it’s nice to be able to choose, more options can take longer to locate the cheapest rates for Honda Pilot insurance in Milwaukee.
Consumers should take time to compare rates as often as possible since insurance prices change regularly. Despite the fact that you may have had the lowest price on Honda Pilot insurance in Milwaukee a few years ago other companies may now be cheaper. There is a lot of bad advice regarding Pilot insurance out there, but in a few minutes you can learn some tested techniques to reduce your auto insurance bill.
We hope to help you learn the most effective way to quote insurance and some tips to save money. If you have a current auto insurance policy, you will most likely be able to reduce the price you pay using the techniques presented in this article. You just need to learn the proper methods to compare prices from multiple carriers.
Finding a better price on car insurance can be quick and easy. All that’s required is to spend a few minutes on the computer to compare rate quotes to find the company with cheaper Milwaukee auto insurance quotes.
It’s so simple to compare car insurance price quotes online replaces the need to physically go to local Milwaukee insurance agencies. Buying insurance online eliminates the middleman unless you require the professional advice of a licensed agent. Although, it is possible obtain prices from the web but still have the advice of a local agent.
The companies shown below have been selected to offer free quotes in Milwaukee, WI. If multiple companies are listed, we suggest you visit several of them to find the most competitive car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$178||$246||$230||$14||$68||$736||$61|
|Pilot EX 2WD||$182||$226||$236||$14||$70||$728||$61|
|Pilot EX 4WD||$172||$244||$216||$12||$64||$708||$59|
|Pilot EX-L 2WD||$192||$338||$298||$18||$90||$936||$78|
|Pilot EX-L 4WD||$222||$368||$310||$18||$92||$1,010||$84|
|Pilot Touring 2WD||$140||$236||$260||$16||$78||$730||$61|
|Pilot Touring 4WD||$186||$242||$302||$18||$90||$838||$70|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in your specific Milwaukee location which can lower or raise auto insurance rates significantly.
Can higher deductibles save money?
The chart below demonstrates how deductible levels and can change Honda Pilot annual premium costs for different insured age categories. The data is based on a married female driver, comp and collision included, and no additional discounts are factored in.
Poor driving habits will raise your car insurance rates
The illustration below highlights how speeding tickets and at-fault fender-benders can affect Honda Pilot annual premium costs for different age groups. The premiums are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
Does full coverage make sense?
The example below shows the comparison of Honda Pilot premium costs with full coverage and liability only. The data is based on a clean driving record, no claims, $1,000 deductibles, single male driver, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no exact rule to drop full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Honda Pilot claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $5,000 after paying your deductible. If you are paying more than $500 a year for full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not drop full coverage.
When in doubt talk to an agent
When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.
For instance, these questions might point out whether you would benefit from professional advice.
- Is my babysitter covered when using my vehicle?
- Am I better off with higher deductibles on my Honda Pilot?
- Does my policy cover me when driving someone else’s vehicle?
- Is rental equipment covered for theft or damage?
- What is roadside assistance coverage?
- Is a driver training discount available?
If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.
Local Milwaukee car insurance agents
Many drivers still prefer to sit down and talk to an agent. Agents can help determine the best coverages and will help you if you have claims. The biggest benefit of getting free rate quotes online is that you can find cheap rate quotes and still buy from a local agent. And providing support for local insurance agents is important especially in Milwaukee.
Once you complete this short form, your insurance coverage information is transmitted to local insurance agents in Milwaukee who will give you bids for your coverage. There is no reason to contact an agency as quotes are delivered immediately to you. If for some reason you want to get a price quote from a particular provider, you just need to jump over to their website to submit a rate quote request.
The type of auto insurance agent you choose is important
If you are searching for local Milwaukee agents, there are a couple of different types of agencies and how they differ in how they quote coverages. Auto insurance agencies may be either independent or exclusive depending on the company they work for. Either one can sell affordable auto insurance policies, but it’s good to learn the difference in the companies they write for because it may have an impact on buying decisions.
Independent Auto Insurance Agents
Agents in the independent channel are not employed by one company and that gives them the ability to insure with many different companies and help determine which has the cheapest rates. If you are not satisfied with one company, your agent can just switch to a different company and you won’t have to switch agencies.
If you are comparing auto insurance prices, we highly recommend that you get quotes from multiple independent agents so that you can do a thorough price comparison.
Below are Milwaukee independent insurance agents who may provide free auto insurance quotes.
12344 W Layton Ave – Milwaukee, WI 53228 – (414) 235-3561 – View Map
Agents that choose to be exclusive can only write with one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agents are very knowledgeable on their company’s products which helps offset the inability to provide other markets.
Listed below are exclusive agencies in Milwaukee that can give you rate quotes.
American Family Insurance – Lorene Hirsch Agency LLC
3927 S 76th St – Milwaukee, WI 53220 – (414) 329-3999 – View Map
Finding the right auto insurance agent shouldn’t rely on just the quoted price. Some important questions to ask are:
- How much can you save by raising your physical damage deductibles?
- Do they get extra compensation for selling add-on coverages?
- Which family members are covered?
- Does the agent have a valid license to sell insurance in Wisconsin?
- Will they give you a referral list?
- How much training do they have in personal risk management?
- Are there any extra charges for paying monthly?