How long has it been since you compared quotes for more affordable car insurance rates in Milwaukee, WI? Milwaukee consumers have lots of choices when looking for low-cost Saab 9-5 insurance. You can either spend your time driving around trying to get quotes or save time using the internet to make rate comparisons.
There are both good and bad ways to find car insurance online so you’re going to learn the absolute fastest way to get price quotes for a new or used Saab and locate the lowest possible price either online or from Milwaukee insurance agents.
It’s smart to quote other rates occasionally because car insurance prices change quite often. If you had the best deal on Saab 9-5 insurance in Milwaukee a couple years back a different company probably has better rates today. Block out anything you think you know about car insurance because you’re going to learn the tricks you need to know to find lower rates on car insurance.
Affordable companies for Saab 9-5 insurance in Wisconsin
The companies shown below offer free rate quotes in Milwaukee, WI. If multiple companies are shown, we recommend you visit as many as you can to find the lowest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|9-5 Aero XWD 4-Dr Sedan||$168||$356||$310||$18||$92||$944||$79|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in specific location information which can change insurance rates considerably.
Higher deductibles save money
The diagram below illustrates how your deductible choice and can increase or decrease Saab 9-5 insurance rates for different categories of driver ages. The costs are based on a married female driver, comp and collision included, and no discounts are applied.
Insurance Price Influencing Factors
Multiple criteria are considered when quoting car insurance. Most are fairly basic like your driving record, but other factors are not as apparent such as your credit history and annual miles driven.
- Gender as a rate factor – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Males and females get in accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
- Insurance premiums and vehicle performance – The performance of the vehicle you are buying insurance for makes a significant difference in your auto insurance rates. Because the Saab 9-5 falls in the luxury sedan class, insuring your vehicle will cost more compared to average rates in Milwaukee. Low performance passenger models usually have the lowest rates, but other factors influence the final cost greatly.
- Youthful drivers cost more – Older, more experienced drivers are viewed as being more responsible, cost insurance companies less in claims, and get fewer tickets.Drivers with little experience are known to be less responsible when at the wheel of a vehicle so auto insurance rates are higher.
- You might want pay the inexpensive insurance claims yourself – Car insurance companies in Wisconsin generally give the best rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
- Never go without auto insurance – Having a lapse in insurance coverage is a sure-fire way to increase your rates. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine.
- Prevent theft and save – Driving a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft.
Get discounts to get affordable Milwaukee car insurance quotes
The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. Some of these discounts will be visible at the time of quoting, but some need to be inquired about before they will apply.
- Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
- Telematics Data – Drivers who elect to allow their company to analyze vehicle usage by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
- ABS Braking Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
- Low Miles Discount – Low annual miles can earn discounted premium rates on garaged vehicles.
- Safety Course Discount – Passing a driver safety course is a good idea and can lower rates and make you a better driver.
- Professional Memberships – Joining a civic or occupational organization in Milwaukee could trigger savings on your next car insurance statement.
- Discount for New Cars – Adding a new car to your policy is cheaper because newer models keep occupants safer.
- Theft Deterrent System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Milwaukee auto insurance quote.
Keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though you would think you could get a free car insurance policy, car insurance companies aren’t that generous. Any amount of discount will definitely lower the cost of your policy.
Large car insurance companies and a summarized list of policyholder discounts are shown below.
- Progressive has savings for homeowner, multi-vehicle, online signing, good student, continuous coverage, multi-policy, and online quote discount.
- The Hartford offers discounts including driver training, vehicle fuel type, defensive driver, bundle, air bag, and good student.
- Mercury Insurance includes discounts for professional/association, age of vehicle, accident-free, type of vehicle, and multi-policy.
- GEICO may include discounts for air bags, seat belt use, membership and employees, federal employee, multi-policy, and daytime running lights.
- AAA offers premium reductions for anti-theft, education and occupation, multi-policy, good student, and good driver.
- State Farm discounts include accident-free, multiple autos, good driver, defensive driving training, good student, and driver’s education.
Double check with every insurance company the best way to save money. A few discounts may not be available in your state. To choose car insurance companies that offer many of these discounts in Wisconsin, click this link.
When to get advice from an agent
Some consumers still like to have an agent’s advice and doing that can be a smart decision Licensed agents are trained risk managers and will help you if you have claims. A good thing about getting free rate quotes online is that you can obtain cheap insurance rates but also keep your business local. Buying insurance from neighborhood agents is especially important in Milwaukee.
After completing this simple form, your insurance data is submitted to insurance agents in Milwaukee that can provide free Milwaukee auto insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent as quotes are delivered to you instantly. If for some reason you want to get a comparison quote from a particular provider, just search and find their rate quote page and fill out their quote form.
If you are wanting to purchase insurance from a good insurance agency, you need to know there are two different types of agencies that you can select. Insurance policy providers are categorized either independent or exclusive. Either type can do a good job, but it’s a good idea to understand the subtle differences since it can impact buying decisions.
Independent Insurance Agents
Agents of this type often have many company appointments so they can write business with any number of different companies depending on which coverage is best. If you want to switch companies, they can switch companies in-house and you won’t have to switch agencies. If you need lower rates, you absolutely need to compare quotes from a few independent agents to have the most options to choose from. Most can insure with different regional companies that may have much lower rates than larger companies.
The following is a short list of independent agencies in Milwaukee that can possibly get you free insurance rate quotes.
- Dale G Latus Insurance
5232 W Oklahoma Ave # 215 – Milwaukee, WI 53219 – (414) 352-1118 – View Map
- Adams Insurance Service Inc
11046 W Bluemound Rd – Milwaukee, WI 53226 – (414) 257-2070 – View Map
- Santiago Insurance Agency
828 W Historic Mitchell St – Milwaukee, WI 53204 – (414) 727-8284 – View Map
Exclusive Insurance Agencies
These type of agents can only place business with one company like Allstate and State Farm. They generally cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents receive extensive training on sales techniques which helps overcome the inability to quote other rates. Drivers often purchase coverage from exclusives partially due to high brand loyalty instead of buying on price only.
Listed below are exclusive agents in Milwaukee willing to provide price quotes.
- American Family Insurance – Baiio Marchan
3647 S Chase Ave – Milwaukee, WI 53207 – (414) 744-2192 – View Map
- American Family Insurance – Arthur Olszewski Agency Inc.
7400 W Brown Deer Rd – Milwaukee, WI 53223 – (414) 355-5533 – View Map
- American Family Insurance – Joseph Setum Jr
3457 S Kinnickinnic Ave – Milwaukee, WI 53207 – (414) 769-0701 – View Map
Finding the right car insurance agent is decision based upon more than just the quoted price. Before buying a policy in Milwaukee, get answers to these questions.
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they assist clients in filing claims?
- Is there a local claims center in Milwaukee?
- How often do they review coverages?
- Do they carry Errors and Omissions coverage?
- Which insurance company do they prefer to write with?
- Will the agent or a CSR service your policy?
Can you really save $464 a year?
Consumers can’t get away from ads for the lowest price insurance by State Farm, Allstate and GEICO. All the ads say the same thing that people will save if you move your insurance policy to them.
How does each company make almost identical claims?
All the different companies require specific criteria for the type of driver they prefer to insure. A good example of a driver they prefer may need to be between the ages of 30 and 45, has few claims, and has a short commute. A customer that hits that “sweet spot” will qualify for the lowest premium rates in Milwaukee and will probably save when switching.
Potential customers who don’t measure up to the ideal profile will get more expensive rates which usually ends up with the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “everybody who quotes” save the amount stated. That’s why insurance companies can make claims like that.
This really emphasizes why you really need to compare many company’s premium rates. Because without a comparison, you cannot know which company will have the best Saab 9-5 insurance in Milwaukee.
In the end, you can save money
You just learned some good ideas how to compare Saab 9-5 insurance premium rates in Milwaukee. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the most savings is with an unexpected company.
When you buy Milwaukee auto insurance online, never reduce needed coverages to save money. There are many occasions where an insured cut collision coverage only to discover later that the few dollars in savings costed them thousands. The goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.
Lower-priced auto insurance in Milwaukee is possible on the web and from local insurance agents, so you need to shop Milwaukee auto insurance with both to have the best rate selection. Some auto insurance companies do not provide rate quotes online and usually these regional carriers only sell coverage through local independent agencies.
Even more information is available by following these links:
- Red Light Cameras (State Farm)
- How Much is Milwaukee Auto Insurance for Low Mileage Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Honda Accord in Milwaukee? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- Preventing Carjacking and Theft (Insurance Information Institute)