If you are new to getting Madison auto insurance quotes online, you can be baffled by the vast assortment of insurers all promising to save you money.
It’s astonishing, but 70% of consumers have stayed with the same insurance company for a minimum of four years, and just under half have never shopped around. Many consumers in the U.S. could cut their rates by up to $850 a year just by shopping around, but they think it’s difficult to find affordable rates by getting comparison quotes.
If you are already insured, you will be able to cut your premiums using these methods. This information will familiarize you with how insurance works. But Wisconsin drivers need to have an understanding of how insurance companies determine prices because rates fluctuate considerably.
When comparison shopping, there are several ways to obtain and compare prices from many different Wisconsin insurance companies. The easiest way to comparison shop is to jump online and get quotes.
Just keep in mind that more quotes helps improve the odds of finding more affordable rates.
The car insurance companies shown below offer quotes in Wisconsin. To find the best cheap auto insurance in Wisconsin, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.
Premium rates and analysis
The rate table displayed next outlines a range of insurance prices for Mini Cooper models. Having a better understanding of how policy premiums are determined can aid in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cooper 2-Dr Hatchback | $138 | $272 | $254 | $16 | $76 | $756 | $63 |
| Cooper 2-Dr Convertible | $138 | $272 | $198 | $12 | $60 | $680 | $57 |
| Cooper S 2-Dr Hatchback | $138 | $322 | $254 | $16 | $76 | $806 | $67 |
| Cooper S 2-Dr Convertible | $156 | $322 | $198 | $12 | $60 | $748 | $62 |
| Cooper John Cooper Works 2-Dr Hatchback | $156 | $322 | $254 | $16 | $76 | $824 | $69 |
| Cooper John Cooper Works 2-Dr Convertible | $174 | $370 | $198 | $12 | $60 | $814 | $68 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific Madison garaging location which can affect price quotes significantly.
Different people need different car insurance coverages
When selecting your policy for your vehicles, there is no cookie cutter policy. Every situation is different.
For example, these questions might help in determining whether you might need an agent’s assistance.
- What does PIP insurance cover?
- Where can I find DUI or SR-22 insurance?
- Does having multiple vehicles earn me a discount?
- Do I have ACV or replacement cost coverage?
- Where can I get insurance after a DUI in Wisconsin?
- Does my car insurance cover rental cars?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Compare rates but work with a local Madison insurance agent
Many drivers would rather visit with an insurance agent and doing that can be a smart decision One of the great benefits of comparing car insurance online is the fact that you can find the lowest rates and still buy from a local agent. Putting coverage with neighborhood insurance agencies is important particularly in Madison.
After filling out this quick form, the quote information is sent to insurance agents in Madison who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any agents since rate quotes are delivered directly to you. You can most likely find cheaper rates and an insurance agent to talk to. In the event you want to compare rates from a specific company, just go to their quote page and give them your coverage information.
If you are wanting to find a reputable agency, you need to know there are two different types of agencies and how they are distinctly different. Agents can be categorized as either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Agents of this type are not employed by any specific company so they have the ability to put coverage with any number of different companies and get the cheapest rates. If prices rise, the agent simply finds a different carrier which is easy for the insured. When shopping rates, we highly recommend that you include rate quotes from multiple independent agents for the best price selection. Most have the option of insuring with smaller companies that can offer cheaper rates than bigger companies.
The following is a list of independent agents in Madison that may be able to give you price quotes.
- Universal Insurance Agency Corporation
6709 Raymond Rd – Madison, WI 53719 – (608) 216-7060 – View Map - The Curtis Agency
2929 Atwood Ave – Madison, WI 53704 – (608) 250-2501 – View Map - Spectrum Insurance Group – Madison
525 Junction Rd #8505 – Madison, WI 53717 – (608) 204-7055 – View Map
Exclusive Agencies
Agents that elect to be exclusive generally can only insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to compare other company’s rates so they have to upsell other benefits. These agents are very knowledgeable on sales techniques and that allows them to sell at a higher price point. Many people buy from the same agent for years primarily because of the prominence of the brand instead of buying on price only.
Below is a list of exclusive insurance agents in Madison that are able to give rate quotes.
- Farmers Insurance – Debra Armstrong
621 N Sherman Ave, Ste B16 – Madison, WI 53704 – (608) 222-1400 – View Map - Larry Sain – State Farm Insurance Agent
424 S Park St – Madison, WI 53715 – (608) 257-5132 – View Map - Farmers Insurance – Laura Beck Nielsen
1915 Winnebago St #102 – Madison, WI 53704 – (608) 237-3747 – View Map
Finding the right insurance agency is decision based upon more than just a cheap price quote. The following questions are important to ask.
- Is coverage determined by price?
- Are they properly licensed to sell insurance in Wisconsin?
- Will high miles depreciate repair valuations?
- Does the quote include credit and driving reports?
- Will they give you a referral list?
- Does the company use OEM repair parts?
- Do clients work directly with the agent or are most inquiries handled by a CSR?