Big Bend Wisconsin Insurance - Smith Insurance & Financial Services

W230S8735 Clark St.
Big Bend, WI 53103
Phone: 262-662-4327
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3 Reasons Your Car Insurance Quote May Be Too High

January 23, 2016 By Kevin Smith

car insurance bills

Do you receive your monthly bill for car insurance only to wonder if you could be overpaying? You know the importance of having quality coverage that meets your needs and protects you from the unexpected, but that does not mean you should empty your wallet to pay for it. Unfortunately, if you are like many people in Wisconsin, you could be paying too much for coverage. This is especially true considering Wisconsin boasts some of the most car insurance discounts in the nation. Continue reading to learn more about the top three ways you could be overpaying for your coverage and find out ways you can lower your car insurance quote.

1. You Sign Up for Coverage and Pay On-Time

The early bird always gets the worm, but who would have thought that you could be penalized for being on-time? While technically not a penalty, waiting to purchase or renew your auto insurance when your old policy expires could be costing you money. We recommend reviewing your auto insurance policy on a regular basis to ensure it is still meeting your needs and to verify that you have not qualified for any additional discounts. Some insurance companies offer as much as a 10 percent discount if you request a quote and switch coverage one week or more before your existing policy expires and do not have a lapse in coverage.

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Keep up with your early habits, and you could see even greater savings. If you elect to pay your car insurance premiums in full instead of in monthly installments, you could save an average of 9 percent per year on coverage. It may not sound like a lot, but that number alone can easily add up to $150 per year or more for two drivers with vehicles insured on the same policy.

2. You Use Multiple Insurance Providers

Shopping around is always a good thing – especially when it nets you steep discounts. However, ordering a la carte is not always the most cost-efficient option when it comes to your car insurance. Many insurance providers offer tremendous savings for grouping your auto insurance policy with other coverage types, such as homeowners insurance. Sometimes a multi-policy discount can compensate for combined premium costs with average savings of 9 percent.

3. You Do Not Talk with Your Agent

If you only talk to your insurance agent when you purchase a new vehicle or need to file a claim, you could be missing out on serious discounts. After all, your insurance agent is not just the person who provides you with car insurance quotes from time to time – this is the person who partners with you to provide you with the maximum possible savings.

If you never meet with or talk to your insurer, you may be failing to provide some valuable information. For example, your agent may be able to procure discounts on your car insurance premiums after significant life events, such as getting married, moving to a new address, entering retirement, or sending a child off to college. Even choosing to work from home or be a stay-at-home parent may result in lower premiums if it means you are driving less than before.

Remember, never sacrifice quality for affordability. If you live in the greater Big Bend, Wisconsin area and would like to explore the auto coverage discounts that may be available to you, contact the team here at Smith Insurance and Financial Services. We can help you navigate your options and provide you with free, no-obligation car insurance quotes on coverage that meet your needs.

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Filed Under: Automobile

About Kevin Smith

Kevin Smith is an agent at Smith Insurance and Financial, Inc. in Big Bend Wisconsin. Kevin can be reached at kevin@smithinsurancewi.com

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Smith Insurance has always given a full review of insurances available to me, the costs and the reason of perhaps not choosing the cheapest. I was referred by my daughter and have referred my brother and others. Father and son have been thorough and respond quickly.
Linda Pomahac
Responds quickly (even on weekends). Takes care of everything. Explains things well to the “layman”. Good stuff. Kevin is awesome
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Provide insurance. Very honest and helpful. Told me when they couldn’t better current provider.
Linda SeemeyerEast Troy, WI
Mike has been my agent for 24+ years. Handles everything with just a phone call. Awesome customer service. Highly recommend to anyone.
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He’s awesome. We’ve had him for probably 25 years. I heard about him from my brother. I guess insurance is insurance and it’s expensive, no matter how you look at it. He’s always searching for the best for us. It’s the best insurance company. He deals with several different ones.
Barb StensonEast Troy, WI
Kevin at Smith Insurance keeps the process of getting insurance very smooth. The rates are low and you get the benefit of working with real people who care at Smith Insurance.
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Awesome customer service! Timely billing. Good rates!
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They are great and we have been with them for about 10 years. We have not had any problems yet. We like the personal service from Mike and Kevin. Mike is the owner and Kevin is the son. They have rapid response and they answer our questions. My daughter had an accident 10 years ago and they took care of everything.
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I’ve been with Smith Insurance for over 20 years. Service has been great.
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W230 S8735 Clark St.
P.O. Box 7
Big Bend, WI 53103
262-662-4327

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