Progressive auto insurance Wisconsin doesn’t have to cost you an arm and a leg. In this economy, cutting down on costs can be a matter of survival. So for first-time car insurance buyers there are some things you can do to ensure you get the cheapest premium possible.
Maybe the most important thing begins with the type of car you own. Don’t go out and buy a luxury car, sports car or any other vehicle with a high-power engine. Those kinds of vehicles are usually the most expensive to insure, especially for younger drivers. If you’re shopping for a car and the insurance premium is going to factor into you decision, then your best bet is to by a 3-door hatchback or other compact car.
Another idea for saving money on Progressive auto insurance Wisconsin or elsewhere is to get third-party insurance for fire and theft. This type of insurance will protect you against damage to other people’s property or injuries you may cause them.
Comprehensive coverage is going to be pricier, but beyond what is covered by third party fire and theft, comprehensive insurance protects you for accidental damage to your own vehicle.
In addition to the type of policy you get, there’s a common sense way to keep premium costs down — keep your driving record clean. If you have been stopped for speeding multiple times, been arrested for DUI and/or reckless driving, you’re certainly going to be paying double or even triple the premium costs as someone with a spotless driving record.
A further money-saving tip (whether it’s practical or not for your individual situation) is to limit the number of people covered driving your vehicle. When getting Progressive auto insurance Wisconsin, it is always cheaper to get coverage only for yourself.
Next, make sure you don’t go for all the add-on, upsell insurance that some companies will try and sell you. To save money on your premiums, keep your policy bare-bones and basic.
Keep this in mind too — the less you drive, the less insurance you’ll likely pay. Live and work in the same city? No morning freeway commute? Perfect! Limiting your mileage will limit the cost of your monthly premiums.
Avoid modifications to your car. Anything you add to your vehicle — be it tinted windows, running lights, or something to increase the engine’s performance, all will mean increased premiums once your insurance provider finds out.
With these simple tips and a little common sense, you’ll be able to save a bundle when it comes time to buy Progressive auto insurance Wisconsin.