How long has it been since you shopped around for cheaper Scion iQ insurance in Milwaukee? Are you burned out from sacrificing to buy car insurance? You are no different than millions of other vehicle owners.
Sadly, most car insurance customers have been with the same company for a minimum of four years, and roughly 40% of drivers have never quoted rates to find cheap coverage. Most drivers in Milwaukee could save an average of approximately $373 each year, but they don’t understand how simple it is to save money by comparing rate quotes. Big companies like Allstate, Progressive and GEICO continually hit you with catchy ads and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.
Consumers need to do rate comparisons on a regular basis due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the best rates on Scion iQ insurance in Milwaukee a year ago other companies may now be cheaper. You can search a lot of iQ insurance online but in just a couple of minutes you can learn some guaranteed methods to buy car insurance cheaper in Milwaukee.
Getting low cost Scion iQ insurance pricing is actually easier than you may think. Consumers just need to take a couple of minutes getting comparison quotes to discover which company has cheaper Milwaukee car insurance quotes.
It’s so fast and easy to compare price quotes online that it replaces the need to spend time driving to local Milwaukee insurance agencies. The ability to get quotes online has reduced the need for local agents unless you want the professional guidance of an agent trained in personal lines coverage. However, consumers can comparison shop your insurance online and have a local agent actually service the policy.
The providers in the list below offer price quotes in Wisconsin. If multiple companies are shown, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.
Get lower-cost rates by taking advantage of discounts
The cost of insuring your cars can be expensive, but discounts can save money and there are some available that may help make it more affordable. Some of these discounts will be visible when you quote, but some may not be applied and must be asked about in order for you to get them.
- Save with a New Car – Insuring a vehicle that is new can cost up to 25% less since new vehicles are generally safer.
- Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
- Seat Belt Discounts – Forcing all vehicle occupants to use their safety belts can save up to 15% off PIP or medical payments premium.
- Milwaukee Homeowners Pay Less – Being a homeowner can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
- Claim-Free Discount – Insureds who avoid accidents and claims pay less in comparison with drivers who are more careless.
- Government Employee Discount – Active or retired federal employment can save as much as 8% but check with your company.
As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, nobody gets a free ride.
Companies that may offer quotes with these money-saving discounts include:
Double check with each company or agent which credits you are entitled to. Some credits might not be available to policyholders in Milwaukee. To locate companies that can offer you the previously mentioned discounts in Milwaukee, click this link.
Informed Consumers Save on Insurance
A large part of saving on auto insurance is knowing some of the elements that come into play when calculating the price you pay for auto insurance. When you understand what impacts premium levels, this allows you to make educated decisions that may result in much lower annual insurance costs.
- Gals tend to cost less – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both sexes get in at-fault accidents at a similar rate, but guys cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like reckless driving and DUI. Young males are the most expensive to insure and therefore pay the highest rates.
- Liability coverage preserves assets – Liability coverage will afford coverage if ever you are determined to be liable for damages caused by your negligence. It provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
- Teenage driver insurance costs – Teenage drivers in Wisconsin tend to be careless and easily distracted when driving with friends so they pay higher auto insurance rates. More experienced drivers are shown to be more cautious, tend to cause fewer accidents, and usually have better credit.
- Better prices on safer vehicles – Cars with five star safety ratings cost less to insure. Safe vehicles result in less severe injuries and fewer injuries means less claims paid and cheaper rates on your policy. If your Scion iQ earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Lower stress equals lower rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like military personnel, airline pilots, and dentists tend to pay the highest average rates because of high stress levels and incredibly demanding work hours. On the flip side, jobs like actors, engineers and homemakers generally pay rates lower than average.
- Marriage pays dividends – Having a significant other helps lower the price on auto insurance. Marriage demonstrates that you tend to be more mature and responsible and it’s proven that married couples file fewer claims.
- Good drivers have lower rates – Having a clean driving record has a huge affect on how much you pay. Having just one speeding ticket or other violation can increase the cost of insurance to the point where it’s not affordable. Attentive drivers tend to pay less for car insurance than bad drivers. Drivers who have gotten multiple violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state’s licensing department in order to legally drive.
- Scion iQ historical loss data – Insurers factor in historical loss data when they file their rates in each state. Vehicles that the statistics show to have higher claim amounts or frequency will have a higher cost to insure. The information below illustrates the insurance loss data used by companies for Scion iQ vehicles.
For each policy coverage, the claim amount for all vehicles, as a total average, is set at 100. Values below 100 indicate a favorable loss history, while values over 100 indicate a higher chance of having a claim or tendency to have higher losses.
Scion iQ Insurance Loss Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Scion iQ 77 81 75 Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
What if I want to buy from local Milwaukee insurance agents?
A small number of people would prefer to talk to an insurance agent and that is OK! Good agents can help you choose the best coverages and help in the event of a claim. One of the best bonuses of comparing rate quotes online is that you can find cheap rate quotes but also keep your business local. And supporting neighborhood insurance agencies is definitely important in Milwaukee.
Upon completion of this simple form, your information is emailed to companies in Milwaukee who will give you bids to get your business. You never need to contact any agents because prices are sent to you. If you want to compare prices from one company in particular, just jump over to their website and fill out their quote form.
When narrowing the list to find a good insurance agency, there are a couple of types of insurance agents that you can choose from. Agents are considered either independent or exclusive. Either type can do a good job, but it’s a good idea to understand the difference in how they write coverage since it may influence which agent you choose.
Independent Car Insurance Agencies
Agents that elect to be independent are normally appointed by many insurers and that allows them to write policies through many companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to do anything. When comparing car insurance prices, you absolutely need to get quotes from a few independent agents to have the most options to choose from.
Listed below is a small list of independent insurance agents in Milwaukee that can give you comparison quotes.
Brew City Insurance
2937 S Chicago Ave – South Milwaukee, WI 53172 – (414) 762-6600 – View Map
Reilly Insurance Services
3075 S Howell Ave – Milwaukee, WI 53207 – (414) 482-4461 – View Map
1st Light Insurance Services
500 W Silver Spring Dr k200 – Milwaukee, WI 53217 – (414) 393-1950 – View Map
Exclusive Car Insurance Agencies
These agents can only quote rates from one company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are well trained on sales techniques which helps offset the inability to provide other markets.
The following is a short list of exclusive agencies in Milwaukee that can give you comparison quotes.
Progressive Insurance – Milwaukee Service Center
3442 S 103rd St – Milwaukee, WI 53227 – (414) 944-5200 – View Map
American Family Insurance – Dennis James
6111 W Bluemound Rd – Milwaukee, WI 53213 – (414) 259-0040 – View Map
American Family Insurance – Edward Thomas
4641 W Forest Home Ave – Milwaukee, WI 53219 – (414) 327-4770 – View Map
Picking an insurance agency shouldn’t rely on just the quoted price. Here are some questions you should ask.
- How are claims handled?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they specialize in personal lines auto insurance in Milwaukee?
- Will you get a loaner vehicle if you car is being repaired?
- Has the agent ever had any license suspensions?
- Where are claims handled?
- How long has their agency been in business in Milwaukee?
Do drivers who switch really save $448 a year?
Wisconsin drivers can’t escape the ads that claim the lowest rates from companies such as Allstate, GEICO and Progressive. All the ads convey the message that drivers will save a bundle if you move your insurance policy to them.
How do they all give you a lower rate on Scion iQ insurance in Milwaukee? It’s all in the words they use.
Companies require specific criteria for the type of driver they prefer to insure. One example of a desirable insured could be a married male, has no tickets, and drives a safe vehicle. A propective insured who fits those characteristics receives the best rates in Milwaukee and is almost guaranteed to cut their Scion iQ insurance rates if they switch.
Insureds who do not meet those criteria may receive higher prices and this can result in the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can make those statements.
Each company has different criteria, so you need to get price quotes at each policy renewal. It’s not possible to predict the company that will give you the biggest savings.
Get the best coverage at the most affordable price
Cheaper Scion iQ insurance in Milwaukee can be bought online and with local Milwaukee insurance agents, so get free Milwaukee car insurance quotes from both of them to have the best chance of lowering rates. Some auto insurance companies do not provide online quoting and most of the time these smaller companies work with independent agents.
As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Even more information is available by following these links:
- Older Drivers FAQ (iihs.org)
- How Much is Milwaukee Auto Insurance for Police Officers? (FAQ)
- Who Has Cheap Auto Insurance for a GMC Sierra in Milwaukee? (FAQ)
- How Much are Car Insurance Rates for Used Cars in Milwaukee? (FAQ)
- Who Has Cheap Milwaukee Car Insurance Rates for High Risk Drivers? (FAQ)
- Who Has Cheap Milwaukee Auto Insurance Rates for Veterans? (FAQ)
- What Car Insurance is Cheapest for High School Students in Milwaukee? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)