How long have you put off shopping around for the cheapest car insurance rates in Milwaukee, WI? Milwaukee buyers have a choice when searching for the lowest priced Hummer H2 insurance. You can either spend your time struggling with agents getting price quotes or use the internet to get rate quotes.
There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to quote coverages for a Hummer and find the lowest possible price.
Amazlingly, a recent NerdWallet.com study showed that 70% of consumers have bought car insurance from the same company for over three years, and approximately 40% of consumers have never even compared quotes to find cheap rates. American insurance shoppers can save hundreds of dollars each year by just comparing quotes, but most undervalue the amount of money they would save if they changed companies.
Cheapest Hummer H2 insurance quotes in Milwaukee
The companies shown below can provide quotes in Wisconsin. If multiple providers are shown, we recommend you click on several of them to get the most affordable price.
Cheaper rates on Hummer H2 insurance in Milwaukee with these six discounts
Car insurance is easily one of your largest bills, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you quote, but a few need to be asked about prior to getting the savings.
- Multiple Vehicles – Purchasing coverage when you have multiple vehicles on a single policy qualifies for this discount.
- Mature Driver Discount – If you qualify as a senior citizen, you may qualify for lower premium rates.
- Paperwork-free – Some car insurance companies will give you a small discount for signing up online.
- Air Bag Discount – Vehicles equipped with air bags can qualify for discounts as much as 30%.
- Good Students Pay Less – Excelling in school can save 20 to 25%. The good student discount can last until age 25.
- Policy Bundle Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
It’s important to note that most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
If you would like to see a list of car insurance companies that offer some of these discounts in Milwaukee, click here to view.
Local insurance agents
A lot of people still prefer to get advice from a local agent and there is nothing wrong with that. Most agents can make sure you are properly covered and help you file claims. The best thing about comparing rate quotes online is that drivers can save money and get cheap car insurance quotes and still choose a local agent. And buying from neighborhood insurance agencies is important particularly in Milwaukee.
After completing this form (opens in new window), your insurance data is submitted to companies in Milwaukee that give free quotes for your coverage. You never need to search for an agent since price quotes are sent to you. If you wish to get a price quote from a particular provider, you can always jump over to their website to submit a rate quote request.
Do you need an independent or exclusive auto insurance agent?
If you want to buy car insurance from a reputable agency, there are a couple of different agency structures and how they work. Agents are classified as either exclusive or independent (non-exclusive). Either one can provide car insurance policies, but we need to point out the difference between them since it may influence your agent selection.
Independent Car Insurance Agents (or Brokers)
Agents that choose to be independent can quote rates with many companies and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier which requires no work on your part. If you need lower rates, you will want to get several quotes from multiple independent agents to get the best comparison. Most also write with companies that do not advertise much who may have lower rates.
Below is a list of independent insurance agencies in Milwaukee that may be able to give you free rate quotes.
- Frank Medina Insurance WI
342 N Water St Ste 600 – Milwaukee, WI 53202 – (414) 877-0777 – View Map - Butzer Insurance Agency
7311 W Burleigh St – Milwaukee, WI 53210 – (414) 445-9585 – View Map - Santiago Insurance Agency
828 W Historic Mitchell St – Milwaukee, WI 53204 – (414) 727-8284 – View Map
Exclusive Agents
Agents that elect to be exclusive work for only one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot give you multiple price quotes so you might not find the best rates. Exclusive agencies receive extensive training on the products they sell and that enables them to sell even at higher rates. Some consumers prefer to buy from exclusive agents primarily because of the prominent brand name rather than low price.
Listed below is a list of exclusive insurance agencies in Milwaukee that can give you rate quotes.
- State Farm Insurance
2121 S Kinnickinnic Ave #7 – Milwaukee, WI 53207 – (414) 483-3300 – View Map - American Family Insurance – Dennis James
6111 W Bluemound Rd – Milwaukee, WI 53213 – (414) 259-0040 – View Map - Farmers Insurance – Walt Buckhanan
5406 N Lovers Lane Rd – Milwaukee, WI 53225 – (414) 269-8945 – View Map
Finding a good insurance agent requires more thought than just a low price. These are some valid questions you should ask.
- Can you contact them at any time?
- Does the company have a local claim office in Milwaukee?
- Are there any discounts for paying up front?
- Is every driver in your family covered?
- Do they assist clients in filing claims?
- Is assistance available after office hours?
- Will their companies depreciate repairs to your car based on the mileage?
When do I need an agent’s advice?
When quoting and comparing the right insurance coverage, there really is not a “best” method to buy coverage. Your needs are unique to you.
Here are some questions about coverages that may help highlight whether you might need professional guidance.
- Is my trailer covered?
- Should I carry comprehensive and collision coverage?
- Are split liability limits better than a combined single limit?
- Is a new car covered when I drive it off the dealer lot?
- Should I file a claim if it’s only slightly more than my deductible?
- Who sells insurance for high-risk drivers?
- When should I not buy collision coverage?
If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.
Here’s why car insurance is not optional
Despite the potentially high cost of Hummer H2 insurance, insurance is mandatory in Wisconsin but it also protects more than you think.
- Most states have mandatory insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to get the vehicle licensed. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Hummer with a loan, it’s most likely the lender will stipulate that you have full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Hummer at a significantly higher premium and force you to pay for the much more expensive policy.
- Insurance protects both your vehicle and your personal assets. Insurance will also pay for medical bills for yourself as well as anyone injured by you. Liability coverage will also pay for a defense attorney if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having car insurance more than offset the price you pay, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is overpaying over $825 a year so compare rate quotes at every policy renewal to save money.
Information about specific coverages
Having a good grasp of a car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Collision coverage
This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible on your H2 to get cheaper collision coverage.
Comprehensive protection
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like damage from flooding, a tree branch falling on your vehicle, hitting a deer, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured or underinsured coverage
This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Hummer H2.
Because many people only purchase the least amount of liability that is required (25/50/10 in Wisconsin), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liability limits.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, dental work, doctor visits, ambulance fees and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Auto liability insurance
Liability insurance protects you from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/10 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.
Liability can pay for things such as structural damage, emergency aid, attorney fees, legal defense fees and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford. Wisconsin state law requires minimum liability limits of 25/50/10 but drivers should carry more coverage.
Car insurance savings summarized
As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. In many cases, an accident victim reduced liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.
Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, high prices or even poor customer service. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.
Budget-friendly car insurance in Milwaukee is available both online as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some car insurance companies don’t offer rate quotes online and many times these small, regional companies prefer to sell through local independent agencies.
To read more, take a look at the following helpful articles:
- Red Light Cameras (State Farm)
- Who Has Affordable Car Insurance Quotes for Teenagers in Milwaukee? (FAQ)
- Who Has Affordable Milwaukee Auto Insurance Rates for Inexperienced Drivers? (FAQ)
- What Auto Insurance is Cheapest for Good Students in Milwaukee? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Active Military in Milwaukee? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Collision Insurance Coverage (Nationwide)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Preventing Carjacking and Theft (Insurance Information Institute)