Progressive insurance Wisconsin, like anywhere else in the country, can be made easier to select in order to save money on premiums, but remain sufficiently covered.
Doing your homework will pay dividends if you put the time and energy into it. But it doesn’t have to be as painful as it may sound. Follow these 5 simple and easy-to-understand pointers if you want to save a bundle.
1. Get comparative quotes
Not happy with your current policy? Or maybe your policy and insurance company is good but too expensive? Maybe you’re over-covered or under-covered? Start shopping, you should do this in the evenings or on weekends when you can put the time in. Know exactly what you pay in premiums each month and know exactly what you’re covered for. Visit all the insurance company websites that are relevant to you, based on you geographic area.
Most sites will give you comparative quotes — their rate for a particular policy package relative to a rival company. Sometimes the online forms you need to fill out are lengthy, but it’s worth going through the motions to get the best possible quote.
2. Review your current policy
It’s always handy with Progressive insurance Wisconsin or anywhere else, to know how much coverage you have and how much you’re paying for it. Know how much you pay for this coverage by month and by year, as many companies give their quotes both ways. It’s often cheaper to pay for an entire year’s worth of coverage in one go — if you can afford to do that.
3. Check you driving record
Have you received a speeding or a parking ticket lately? Make a note of it. Have you been driving for 20 years and can’t remember? No problem. There are municipal and state websites that allow you to check your record online. In many states, minor traffic offenses are cleared from your record after a certain period of time. It might be useful to wait until these go away before switching policies.
4. Decide how much coverage you need
One of the keys to picking the right insurance policy, and saving money by it, is knowing precisely how much coverage you need. For policy holders of Progressive insurance Wisconsin and in other states, you should be asking questions like, “how often do I drive?” and “what kind of car do I drive, and how old is it?” The state of your car and how often you drive factors greatly into how much your premiums will be.
5. Check a company’s background
Obviously a company’s website and it’s advertising campaigns are going to cast it in a light of the best company out there. And equally obvious, this only gives you one side of the story. When choosing Progressive insurance Wisconsin or any other company, you should know things like if the company is financially sound, have they been involved in any unsavory negative news reports or court cases, and if so, why? A good way to check is by going to your local Better Business Bureau for an assessment.
Be it in Progressive insurance Wisconsin or anywhere in the country, due diligence in the selection an insurance company will not only save you money, but also get you the exact coverage you need.