Are you tired of sacrificing other expenses to pay high insurance rates every month? You have the same problem as the majority of other consumers in Wisconsin.
Regrettably, most drivers have stayed with the same insurance company for a minimum of four years, and just short of a majority have never compared rates with other companies. With the average insurance premium being $1,340, Wisconsin drivers can save hundreds of dollars each year, but they underestimate how much savings they would realize if they switched to a cheaper policy. You have multiple insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, having more auto insurance companies makes it harder to locate the cheapest rates for Pontiac Solstice insurance in Milwaukee.
It’s smart to do price comparisons before your next renewal since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best premium rates on Pontiac Solstice insurance in Milwaukee two years ago a different company probably has better prices today. Forget anything you know (or think you know) about insurance because it’s time to teach you the best way to save money, get proper coverage and the best rates.
Companies offering Pontiac Solstice insurance in Wisconsin
The providers in the list below offer free rate quotes in Milwaukee, WI. If the list has multiple companies, we recommend you click on several of them to get the best price comparison.
Why You Might Pay Lower Rates in Milwaukee
Lots of things are used when premium rates are determined. Some factors are common sense such as your driving history, although some other factors are not as apparent such as your credit history or your vehicle rating.
The following are a few of the things companies use to determine prices.
Rates can drop if you have more than one policy – Lots of car insurance companies apply better rates to insureds that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, consumers should still compare other company rates to guarantee you are still saving the most. You may still be able to save money by insuring with multiple companies.
Higher prices for tough occupations – Did you know that where you work can have an impact on rates? Careers like military generals, airline pilots, and dentists generally pay higher average rates in part from intense work-related stress and long work days. Conversely, occupations such as farmers, athletes and performers pay the least.
Fast cars cost more to insure – The performance of the car you are buying insurance for makes a big difference in how high your rates are. Since the Pontiac Solstice is considered a sport coupe, rates will be much more as compared to the average rate in Milwaukee. The lowest performance passenger models normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
Insurance companies don’t like frequent policy claims – Insurance companies in Wisconsin give the best rates to people who are not frequent claim filers. If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Your car insurance is designed for more catastrophic claims.
Cautious drivers pay less – A bad driving record has a huge affect on how much you pay. Attentive drivers tend to pay less for car insurance as compared to those with violations. Even one speeding ticket or other violation can bump up the cost substantially. People who have multiple citations like reckless driving or DUI may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
What’s your car’s NHTSA crash test rating? – Cars with five star safety ratings tend to be cheaper to insure. Safe vehicles reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Pontiac is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Drivers with responsible credit save – Having a bad credit rating can be a huge factor in determining what you pay. Consumers who have high credit ratings tend to file fewer claims and have better driving records than those with worse credit. So if your credit rating can be improved, you could potentially save money when insuring your Pontiac Solstice if you clean up your credit.
Affordable Milwaukee auto insurance rates with discounts
Auto insurance is not cheap nor is it fun to buy but there may be some discounts to help offset the cost. A few discounts will automatically apply at quote time, but a few must be asked for prior to getting the savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.
- E-sign – A handful of larger companies will give a small break get Milwaukee car insurance over the internet.
- Organization Discounts – Affiliation with qualifying clubs or civic groups could qualify you for a break on your next auto insurance statement.
- Switch and Save Discount – Some insurance companies give discounts for renewing your policy before your current Solstice insurance policy expires. This can save 10% or more.
- Bundled Policy Discount – If you combine your auto and homeowners policies with one insurance company you may save at least 10% off all policies.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
- Homeowners Savings – Just owning your own home can earn you a little savings since home ownership means you have a higher level of financial diligence.
Don’t be surprised that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.
Car insurance companies who may offer these money-saving discounts possibly include:
Double check with each company or agent how many discounts you can get. Some discounts might not be available to policyholders in your area. To see companies that offer the discounts shown above in Milwaukee, click here to view.
Local Milwaukee insurance agencies and insurance
A small number of people just prefer to buy from a licensed agent and that is OK! Agents can help you build your policy and help submit paperwork. One of the benefits of comparing rate quotes online is that drivers can save money and get better rates but still work with a licensed agent. Buying from local insurance agents is definitely important in Milwaukee.
To find an agent, once you fill out this short form, your coverage information is emailed to agents in your area that give free quotes for your coverage. There is no reason to search for an agent because prices are sent directly to your email. If you need to get a price quote for a specific company, feel free to search and find their rate quote page and give them your coverage information.
If you would like to find a good Milwaukee insurance agent, it’s helpful to know the different types of agents to choose from. Insurance agencies in Milwaukee may be either exclusive agents or independent agents. Both can sell insurance policies, but it’s worth learning the difference between them because it can factor into the kind of agent you use.
These type of agents are appointed with more than one company so they have the ability to put coverage through lots of different companies and potentially find a lower price. To transfer your coverage to a different company, your agent can just switch to a different company without you having to go to a different agency. When comparison shopping, you absolutely need to compare quotes from independent agents to have the best price comparison.
The following is a list of independent insurance agencies in Milwaukee that may be able to give free price quotes.
Exclusive Insurance Agents
Agents that choose to be exclusive can only provide one company’s prices such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive agencies are well trained on the products they sell which aids in selling service over price.
Shown below is a list of exclusive agents in Milwaukee that are able to give rate quotes.
American Family Insurance – Arthur Olszewski Agency Inc.
7400 W Brown Deer Rd – Milwaukee, WI 53223 – (414) 355-5533 – View Map
Selecting an insurance agent should include more criteria than just a cheap price quote. These are valid questions to ask:
- Do they have cheaper tiers of coverage?
- By raising physical damage deductibles, how much would you save?
- Do they have 24-hour customer assistance?
- Do they see any coverage gaps in your plan?
- Are they able to influence company decisions when a claim is filed?
What insurance coverages do I need?
Always keep in mind that when comparing the best insurance coverage for your vehicles, there really isn’t a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply.
For example, these questions may help you determine if your insurance needs would benefit from professional advice.
- Are rental cars covered under my policy?
- When can I cancel my policy?
- Can I rate high risk drivers on liability-only vehicles?
- How can I get the company to pay a claim?
- Is a blown tire covered by insurance?
- Is my teenager covered with friends in the car?
- What if I owe more than I can insure my car for?
- Is other people’s property covered if stolen from my vehicle?
- Will my Pontiac Solstice be repaired with OEM or aftermarket parts?
If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.
Don’t give up on cheap rates
We’ve covered quite a bit of information on how to save on Pontiac Solstice insurance in Milwaukee. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. Consumers could even find that the best rates are with a lesser-known regional company. These smaller insurers may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate and Progressive.
When you buy Milwaukee car insurance online, it’s not a good idea to reduce needed coverages to save money. In many instances, drivers have reduced liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.
Lower-priced Pontiac Solstice insurance in Milwaukee can be bought from both online companies and from local insurance agents, so you need to shop Milwaukee car insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer price quotes online and most of the time these small, regional companies only sell through independent insurance agents.
For more information, feel free to visit the following helpful articles:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for a Learners Permit in Milwaukee? (FAQ)
- Who Has the Cheapest Milwaukee Car Insurance Rates for Teenage Females? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)