How many years has it been since you compared the cheapest Mazda MPV insurance in Milwaukee? Saving money on Mazda MPV insurance in Milwaukee may be challenging for drivers new to comparing rates online. With such a large number of agents and insurers to choose from, it can easily be a chore to compare rates in Wisconsin on Mazda MPV insurance.
Amazlingly, a recent NerdWallet.com study showed that most Wisconsin auto insurance customers kept buying from the same company for over three years, and almost half have never compared quotes from other companies. Most drivers in the U.S. could cut their rates by nearly $860 a year by just shopping around, but they don’t know the benefits if they switched.
It’s a good habit to do rate comparisons on a regular basis because insurance rates change frequently. If you had the best rate on Mazda MPV insurance in Milwaukee last year you may be paying too much now. Don’t believe everything you read about MPV insurance on the internet, but you can learn some guaranteed methods to stop overpaying for insurance in Milwaukee.
Best companies for Mazda MPV insurance
The providers in the list below have been selected to offer quotes in Wisconsin. If the list has multiple companies, we recommend you visit as many as you can to get the best price comparison.
You may qualify for discounts for Mazda MPV insurance in Milwaukee
Some insurance providers don’t always advertise all possible discounts in a way that’s easy to find, so here is a list a few of the more well known as well as the least known credits that you can use to lower your rates.
- Own a Home and Save – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
- Military Discounts – Being on active deployment in the military could qualify you for better rates.
- Drive Less and Save – Fewer annual miles on your Mazda could earn lower premium rates on the low mileage vehicles.
- Professional Organizations – Being in specific professional or occupational memberships or organizations could qualify you for a break on your policy.
- Switch and Save Discount – A few insurance companies offer discounts for renewing your policy early. The savings is around 10%.
- E-sign Discounts – Some of the larger companies provide a small discount simply for signing on the web.
One thing to note about discounts is that some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.
A list of insurance companies and their possible discounts are detailed below.
- Mercury Insurance policyholders can earn discounts including annual mileage, location of vehicle, professional/association, age of vehicle, accident-free, and type of vehicle.
- Farmers Insurance offers discounts including youthful driver, electronic funds transfer, pay in full, distant student, mature driver, and early shopping.
- Farm Bureau may offer discounts for multi-policy, safe driver, good student, renewal discount, driver training, 55 and retired, and youthful driver.
- State Farm has discounts for Steer Clear safe driver discount, Drive Safe & Save, good driver, defensive driving training, good student, and safe vehicle.
- Allstate discounts include multi-policy, good student, premier discount, passive restraint, and safe driver.
- GEICO may include discounts for anti-lock brakes, multi-policy, membership and employees, federal employee, seat belt use, emergency military deployment, and good student.
If you need affordable Mazda MPV insurance quotes, ask every company to apply every possible discount. Some of the earlier mentioned discounts might not be available to policyholders in Milwaukee.
You may require the services of an insurance agent
A small number of people just want to visit with an insurance agent and there is nothing wrong with that. A good thing about comparing rates online is that you can obtain cheap rate quotes but still work with a licensed agent.
After completing this form (opens in new window), your insurance data is submitted to agents in your area who want to provide quotes for your business. There is no reason to drive around because quoted prices will be sent directly to you. You can get cheaper car insurance rates and an insurance agent to talk to. If you wish to get a price quote from a particular provider, feel free to jump over to their website and fill out the quote form the provide.
Deciding on a insurance company requires you to look at more than just a cheap price. These are some valid questions you should ask.
- Is every driver in your family covered?
- Can you contact them at any time?
- Do you need full coverage on every vehicle?
- What is the agency’s Better Business Bureau rating?
- Are aftermarket or OEM parts used to repair vehicles?
- Do you work with a CSR or direct with the agent?
- Will you get a loaner vehicle if you car is being repaired?
- Will your rates increase after a single accident?
Milwaukee auto insurance agents come in two flavors
If you’re trying to find a local Milwaukee insurance agency, it’s helpful to know the types of agencies and how they are distinctly different. Car insurance agents can be categorized as either independent agents or exclusive agents.
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only quote rates from one company and examples are Farmers Insurance, Allstate, or State Farm. They generally cannot provide other company’s prices so always compare other rates. Exclusive agencies receive extensive training on their products and sales techniques which helps offset the inability to provide other markets. Consumers frequently use the same exclusive agent mostly because of the brand and solid financial strength.
The following are Milwaukee exclusive agencies willing to provide price quote information.
- State Farm: Bob Vitt
161 W Wisconsin Ave #5196 – Milwaukee, WI 53203 – (414) 276-3446 – View Map
- Farmers Insurance – Roger Channing
4369 S Howell Ave #201 – Milwaukee, WI 53207 – (414) 482-9400 – View Map
- American Family Insurance – Lorene Hirsch Agency LLC
3927 S 76th St – Milwaukee, WI 53220 – (414) 329-3999 – View Map
Independent Agents (or Brokers)
These type of agents are not employed by any specific company and that gives them the ability to insure with a variety of different insurance companies depending on which coverage is best. If you want to switch companies, your agent can switch companies which requires no work on your part.
When comparing rates, you definitely need to include price quotes from several independent agencies to have the most options to choose from. A lot of them also have access to companies you’ve never heard of that may provide cheaper car insurance rates.
Shown below are independent insurance agencies in Milwaukee who can help you get price quote information.
- Tilley Insurance
12344 W Layton Ave – Milwaukee, WI 53228 – (414) 235-3561 – View Map
- See Insurance
4680 W Bradley Rd #203 – Milwaukee, WI 53223 – (414) 355-5433 – View Map
- Procter Insurance Agency
2315 10th Ave – South Milwaukee, WI 53172 – (414) 762-8900 – View Map
But they said I’d save $398 a year!
Popular insurance providers such as 21st Century, Allstate and State Farm endlessly run ads on television and other media. They all seem to state the claim about savings just by moving your coverage. How does every insurance company charge lower premium rates? This is the trick they use.
Insurance companies quote the lowest rates for the right customer that earns them the highest profit. One example of a profitable insured might be a married female, has had continuous coverage, and has excellent credit. A propective insured that meets those criteria is entitled to the best price and will save quite a bit of money when switching.
Consumers who don’t meet the ideal profile will have to pay a higher premium and this results in the customer buying from a different company. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” will save that much if they switch. That is how companies can truthfully make the claims of big savings. This really emphasizes why you really need to compare price quotes frequently. It’s just not possible to know which insurance company will have the lowest rates for your situation.
Auto insurance 101
Having a good grasp of car insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Mazda MPV.
Due to the fact that many Wisconsin drivers 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 should not be overlooked.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like nursing services, X-ray expenses, surgery and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as hail damage, damage from flooding and falling objects. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision coverage – This will pay to fix damage to your MPV caused by collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like scraping a guard rail, hitting a parking meter, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible on your MPV to save money on collision insurance.
Liability auto insurance – This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/10 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for claims such as court costs, attorney fees, medical services and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy higher limits if possible. Wisconsin requires drivers to carry at least 25/50/10 but you should think about purchasing more liability than the minimum.
A conclusion for your auto insurance search
Throughout this article, we presented a lot of techniques to compare Mazda MPV insurance premium rates in Milwaukee. The key concept to understand is the more you quote Milwaukee auto insurance, the higher the chance of saving money. You may even discover the best premium rates are with the least-expected company.
People who switch companies do it for a number of reasons such as unfair underwriting practices, high prices, policy cancellation and even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company can be easier than you think.
When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. In many instances, an insured cut collision coverage only to find out that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
Additional information is located at the links below
- Understanding your Policy (NAIC.org)
- Who Has Cheap Car Insurance Rates for Good Drivers in Milwaukee? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Distracted Driving Statistics (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)