Do you need a better way to compare more affordable Acura ILX insurance in Milwaukee? Paying low cost rates for Acura ILX insurance in Milwaukee could be challenging for drivers who are new to quoting and comparing prices online. With dozens of insurance companies available, it can easily turn into a difficult mission to find the best rates.
Astonishing but true, nearly 70% of drivers kept their policy with the same company for four years or more, and nearly the majority have never taken the time to shop around. Most drivers in Milwaukee can save as much as $370 each year by just comparing rate quotes, but most just don’t grasp the rate savings if they replace their high priced policy.
Take these five policy discounts and save on Acura ILX insurance in Milwaukee
Car insurance companies don’t necessarily list every possible discount very clearly, so below is a list some of the more common and the more hidden car insurance savings.
- Policy Bundle Discount – If you insure your home and vehicles with one company you could earn a discount of at least 10% off all policies.
- Accident-Free Discounts – Insureds with no claims or accidents get the best car insurance rates in comparison with bad drivers.
- First Accident Forgiveness – Not really a discount, but some companies like State Farm and GEICO permit an accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
- Low Mileage Discounts – Maintaining low annual mileage could be rewarded with better prices on cars that stay parked.
- E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks for buying your policy on the internet.
Drivers should understand that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
Car insurance companies that may offer policyholders some of the above discounts possibly include:
If you want low cost Milwaukee auto insurance quotes, ask all the companies which credits you are entitled to. Some discounts may not be offered in Milwaukee. To locate insurance companies offering car insurance discounts in Wisconsin, click here to view.
When comparison shopping, comparing more quotes helps locate a lower rate.
The companies in the list below offer quotes in Milwaukee, WI. If multiple companies are shown, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Tailor your insurance coverage to you
When it comes to buying your policy, there isn’t really a one-size-fits-all type of policy. Your financial needs are unique and your insurance should be unique as well.
For example, these questions might point out if you may require specific advice.
- Is my teenager covered with friends in the car?
- Do I need medical payments coverage since I have good health insurance?
- When can I cancel my policy?
- Am I getting all the discounts available?
- Am I covered while delivering pizza?
- Does coverage follow the driver or the vehicle?
- Should I have a commercial auto policy?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.
Compare prices but buy from a local Milwaukee insurance agent
Many people prefer to talk to an insurance agent and doing so can bring peace of mind One of the benefits of getting free rate quotes online is that you can find better rates and still choose a local agent. Supporting small agencies is important especially in Milwaukee.
For easy comparison, once you complete this form (opens in new window), your information is sent to participating agents in Milwaukee who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to even leave your home since rate quotes are delivered to your email. You can find the lowest rates and an insurance agent to talk to. If you need to get a price quote from a specific company, you would need to go to their quote page and give them your coverage information.
When searching for a reliable insurance agency, it’s helpful to know the types of agencies and how they operate. Auto insurance agents can either be exclusive or independent.
Independent Auto Insurance Agencies
Agents that choose to be independent are appointed with more than one company and that gives them the ability to insure through many different auto insurance companies and potentially find a lower price. If you are not satisfied with one company, they can switch companies in-house and that require little work on your part. When shopping rates, you need to get some free quotes from multiple independent agents to get the best comparison. Most can insure with additional companies that you may not be familiar with that may have much lower rates than larger companies.
Below is a list of independent agents in Milwaukee who may be able to give you free price quotes.
- Friedle Insurance Agency Inc
7700 W Bluemound Rd #110 – Wauwatosa, WI 53213 – (414) 475-0110 – View Map
- 1st Light Insurance Services
500 W Silver Spring Dr k200 – Milwaukee, WI 53217 – (414) 393-1950 – View Map
- See Insurance Agency LLC
7817 W Brown Deer Rd – Milwaukee, WI 53223 – (414) 355-5433 – View Map
Exclusive Insurance Agents
Exclusive agencies can only provide pricing for a single company and some examples include State Farm or Allstate. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are well schooled on their products and sales techniques which helps offset the inability to provide other markets. Consumers frequently purchase coverage from exclusives mainly due to loyalty to the company rather than having low rates.
Listed below are exclusive agencies in Milwaukee that are able to give price quotes.
- American Family Insurance – Michael L. Voss
332 N 76th St – Milwaukee, WI 53213 – (414) 257-2121 – View Map
- State Farm Insurance
2121 S Kinnickinnic Ave #7 – Milwaukee, WI 53207 – (414) 483-3300 – View Map
- Allstate Insurance: Alex Ferreira
3436 South 13th Street – Milwaukee, WI 53215 – (414) 672-2000 – View Map
Choosing the best insurance agent is decision based upon more than just the bottom line cost. Any agent in Milwaukee should be forthright in answering these questions:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Does the company have a solid financial rating?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they assist clients in filing claims?
- What discounts might you be missing?
- Do they regularly work with personal auto policies in Milwaukee?
- Will they take your side in the event of a claim?
- Did they already check your driving record and credit reports?
If you feel you receive good answers to your questions and a low price estimate, you’ve probably found an auto insurance agent that is reputable and can adequately provide auto insurance.
Car insurance coverages for an Acura ILX
Having a good grasp of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.
Collision – This pays for damage to your ILX caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things such as colliding with another moving vehicle, crashing into a ditch, crashing into a building, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible on your ILX to bring the cost down.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many Wisconsin drivers only carry the minimum required liability limits (25/50/10 in Wisconsin), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.
Liability coverages – This coverage will cover injuries or damage you cause to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/10 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as court costs, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford. Wisconsin requires drivers to carry at least 25/50/10 but drivers should carry better liability coverage.
Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hitting a bird, vandalism and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like hospital visits, dental work, ambulance fees, X-ray expenses and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible
Cheap Acura ILX insurance in Milwaukee is available both online and with local Milwaukee insurance agents, so you should be comparing quotes from both to have the best selection. A few companies don’t offer the ability to get a quote online and most of the time these smaller providers provide coverage only through local independent agents.
When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best possible price and still be able to protect your assets.
Additional information is located at the links below
- Comprehensive Coverage (Liberty Mutual)
- How Much are Car Insurance Quotes for a Toyota Camry in Milwaukee? (FAQ)
- Who Has Cheap Milwaukee Car Insurance Rates for Welfare Recipients? (FAQ)
- Who Has the Cheapest Auto Insurance for Infrequent Drivers in Milwaukee? (FAQ)
- How Much are Car Insurance Rates for Lyft Drivers in Milwaukee? (FAQ)
- Who Has the Cheapest Milwaukee Car Insurance Rates for Teenage Females? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Bodily Injury Coverage (Liberty Mutual)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Understanding Rental Car Insurance (Insurance Information Institute)