No normal person enjoys paying for car insurance, especially when they are paying too much.
Astonishing but true, most drivers have remained with the same car insurance company for more than four years, and just under half have never compared rates with other companies. Many drivers in Wisconsin could save nearly $373 a year just by shopping around, but they don’t believe the amount of savings they would get if they replace their high priced policy.
There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it makes it harder to compare rates and find the lowest cost car insurance.
You need to get comparison quotes as often as possible due to the fact that insurance prices are constantly changing. Just because you found the best deal on car insurance two years ago a different company probably has better rate quotes today. Don’t believe everything you read about car insurance on the internet, but by reading this article, you’re going to learn some tested techniques to lower your car insurance rates in Oak Creek.
Cheap auto insurance in Oak Creek, WI
The companies shown below offer comparison quotes in Oak Creek, WI. If several companies are displayed, it’s highly recommended you click on several of them in order to get a fair rate comparison.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium | ||||
|---|---|---|---|---|---|---|---|
| Chevrolet Malibu LS | $642 | $321 | $54 | ||||
| Chevrolet Silverado Crew Cab Hybrid 2WD | $872 | $436 | $73 | ||||
| Dodge Grand Caravan Crew | $712 | $356 | $59 | ||||
| Dodge Ram Quad Cab SLT 4WD | $764 | $382 | $64 | ||||
| Ford Escape Limited 4WD | $746 | $373 | $62 | ||||
| Ford F-150 Lariat Super Cab 4WD | $556 | $278 | $46 | ||||
| Ford Focus SEL 4-Dr Sedan | $740 | $370 | $62 | ||||
| Honda Accord EX 4-Dr Sedan | $688 | $344 | $57 | ||||
| Honda CR-V EX-L 4WD | $858 | $429 | $72 | ||||
| Honda Civic EX 2-Dr Coupe | $1,088 | $544 | $91 | ||||
| Hyundai Elantra SE Touring Station Wagon | $738 | $369 | $62 | ||||
| Kia Optima SX | $918 | $459 | $77 | ||||
| Mazda 3 S Grand Touring 4-Dr Hatchback | $572 | $286 | $48 | ||||
| Nissan Altima Hybrid 4-Dr Sedan | $980 | $490 | $82 | ||||
| Toyota Camry Hybrid | $826 | $413 | $69 | ||||
| Toyota Corolla XRS | $654 | $327 | $55 | ||||
| Toyota Prius | $876 | $438 | $73 | ||||
| Toyota Tacoma Double Cab 4WD | $938 | $469 | $78 | ||||
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can change rates considerably.
Should you raise deductibles?
The information below highlights how deductible selection and can influence Chevrolet Tahoe premium costs for each different age group. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied.
Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.
Decisions you make can lower your premiums
Part of the auto insurance buying process is learning some of the factors that come into play when calculating your premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you cheaper rates. Many things are part of the equation when quoting car insurance. Most are fairly basic like your driving record, but other criteria are more transparent such as your credit history or your vehicle rating.
Shown below are most of the major factors companies use to determine your premiums.
Proper usage rating affects premiums – The higher the mileage driven each year the higher the price you pay to insure it. Most insurance companies charge to insure your cars based on their usage. Cars and trucks not used for work or commuting receive lower rates compared to those used for work or business. Double check that your auto insurance policy correctly shows annual mileage.
Age of drivers impacts prices – Teen drivers in Wisconsin are statistically shown to be more careless with other occupants in the car so auto insurance rates are higher. If you’ve ever had to add a inexperienced driver to your auto insurance policy can be quite pricey. Older people tend to be more responsible, tend to cause fewer accidents, and receive fewer citations.
You might have higher prices if you are single – Having a spouse may earn you lower rates on your policy. Marriage may mean you are more mature and it’s proven that being married results in fewer claims.
Extra coverages you don’t use – There are a lot of optional add-on coverages that may not really be needed but may not be useful. Insurance for things like coverage for rental cars, death and dismemberment, and extra life insurance coverage may be wasting your money. These coverages may sound good when discussing your needs, but if you have no use for them remove them and pocket the money.
Raise physical damage deductibles and save – Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, and burglary. Deductibles for physical damage define the amount you are willing to pay out-of-pocket in the event of a claim. The more you choose to pay out-of-pocket, the less your auto insurance will be.
What type of vehicle do you drive? – The performance level of the vehicle you need insurance for makes a significant difference in the rate you pay. The lowest premiums will normally be found when insuring economy passenger cars, but other factors influence the final cost greatly.
Do you qualify for discounts?
Auto insurance companies don’t necessarily list the entire discount list in a way that’s easy to find, so the next list breaks down some of the more common as well as the least known auto insurance savings.
- Discounts for Multiple Vehicles – Buying insurance for multiple cars with the same auto insurance company could earn a price break for each car.
- Student in College – Older children who are enrolled in a college that is more than 100 miles from Oak Creek and do not have a car could get you a discount.
- One Accident Forgiven – This one is not really a discount per se, but companies like GEICO, Allstate and Liberty Mutual will let one accident slide without the usual rate increase so long as you haven’t had any claims for a specific time period.
- Passive Restraints – Options like air bags may earn rate discounts as much as 30%.
- Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease with certain companies.
Don’t be shocked that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.
Insurance companies who might offer many of the previously listed discounts include:
Check with each company what discounts are available to you. A few discounts might not be offered on policies in Oak Creek.
Local Oak Creek car insurance agents and insurance
Many people just prefer to sit down with an agent and there is nothing wrong with that. The biggest benefit of price shopping on the web is that you can find the lowest rates and still have a local agent. And providing support for local agencies is still important in Oak Creek.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is immediately sent to companies in Oak Creek who will give you bids for your business. It’s much easier because you don’t need to leave your house as quotes are delivered instantly to you. You can get cheaper insurance rates and a licensed agent to work with. If you need to compare prices for a specific company, you can always search and find their rate quote page and complete a quote there.
Auto insurance agents in Oak Creek come in two varieties
When researching local Oak Creek agents, it can be helpful to understand the different agency structures that you can choose from. Agents can be classified as either exclusive or independent (non-exclusive).
Independent Insurance Agents
Independent agents often have affiliation with several companies so as a result can place your coverage with any number of different companies and find the cheapest insurance rates. If they find a lower price, your agent can switch companies and you don’t have to switch agencies.
When comparison shopping, you will definitely want to get rate quotes from multiple independent agents for the best price selection.
Featured below is a short list of independent agencies in Oak Creek that may be able to give you rate quotes.
Scootergirl Insurance Agency
7071 South 13th Street Suite 203 – Oak Creek, WI 53154 – (414) 762-5002 – View Map
Brew City Insurance
2937 S Chicago Ave – South Milwaukee, WI 53172 – (414) 762-6600 – View Map
Werner Financial Services, Ltd.
8825 S Howell Ave #304 – Oak Creek, WI 53154 – (414) 766-9999 – View Map
Exclusive Agents
Agents that elect to be exclusive can only write with one company and examples are State Farm or Allstate. These agents are not able to compare other company’s rates so always compare other rates. These agents are usually well trained on their company’s products which helps them sell insurance even at higher premiums.
Below are Oak Creek exclusive agents willing to provide rate quotes.
Allstate Insurance: Brian Rogich
8155 S 27th St – Franklin, WI 53132 – (414) 761-0377 – View Map
American Family Insurance – William Dobrinska
2115 10th Ave Ste 101 – South Milwaukee, WI 53172 – (414) 762-1158 – View Map
Farmers Insurance: Mary Wilson
7270 South 13th Street #102 – Oak Creek, WI 53154 – (414) 856-9060 – View Map
Choosing the best auto insurance agent needs to be determined by more than just the bottom line cost. Any agent in Oak Creek should be willing to answer these questions.
- Do they have designations such as AIC, CPCU, or CIC?
- Do you qualify for any additional discounts?
- How many companies do they write for?
- Is there a Errors and Omissions policy in force?
- Which members of your family are coverage by the policy?
After talking to the agent and getting acceptable answers to these questions and a low price estimate, it’s possible that you found a car insurance agent that is reputable and can properly insure your vehicles. Just keep in mind you are entitled to terminate coverage whenever you want so never feel that you’re stuck with the insurance policy with no way out.
Persistence pays off
Budget-conscious auto insurance can be bought from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. A few companies don’t offer internet price quotes and most of the time these small insurance companies only sell through independent agents.
As you quote Oak Creek auto insurance, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped collision coverage to discover at claim time that the savings was not a smart move. The goal is to buy enough coverage at the lowest possible cost, but do not skimp to save money.
Other resources
- Auto Insurance 101 (About.com)
- How Much are Milwaukee Auto Insurance Quotes for a Honda Civic? (FAQ)
- Who Has Cheap Auto Insurance for High Mileage Drivers in Milwaukee? (FAQ)
- Who Has Affordable Milwaukee Auto Insurance Quotes for Immigrants? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Bodily Injury Coverage (Liberty Mutual)
- Older Driver Statistics (Insurance Information Institute)