Regrettably, most car insurance customers kept their policy with the same company for four years or more, and almost 40% of drivers have never shopped around. The average driver in Wisconsin can save hundreds of dollars each year just by comparing rates, but they don’t believe the large savings they would see if they replace their high priced policy.
If saving the most money is your goal, then the best way to quote cheaper Chevy Captiva Sport insurance is to annually compare prices from insurance carriers who sell insurance in Madison. You can compare rates by following these guidelines.
- Step 1: Gain an understanding of how your policy works and the things you can change to keep rates in check. Many risk factors that cause high rates like multiple speeding tickets and a not-so-good credit rating can be remedied by making small lifestyle or driving habit changes. Later in this article we will cover the details to help find cheaper rates and get additional discounts.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can quote prices from multiple companies.
- Step 3: Compare the new rate quotes to your existing policy to see if a cheaper rate is available. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
- Step 4: Tell your current company to cancel your current policy. Submit payment and a signed application for your new policy. Once the paperwork is finalized, put the proof of insurance paperwork in a readily accessible location in your vehicle.
A key point to remember is to compare the same physical damage deductibles and liability limits on every quote request and and to get prices from all possible companies. Doing this helps ensure a fair rate comparison and a complete selection of prices.
Getting a cheaper price on Chevy Captiva Sport insurance is not a difficult process. All that’s required is to take time comparing free Madison auto insurance quotes to find out which insurance company has low cost Madison auto insurance quotes.
The following companies can provide comparison quotes in Madison, WI. To locate the best car insurance in Madison, we suggest you compare several of them in order to find the lowest rates.
Car insurance rates and discounts
Companies that sell car insurance don’t list every possible discount in a way that’s easy to find, so the following list contains a few of the more common in addition to some of the lesser obvious discounts that may be available.
- Low Mileage Discounts – Keeping the miles down on your Chevy can qualify you for substantially lower premium rates.
- Auto/Home Discount – When you combine your homeowners and auto insurance with one company you could get a discount of as much as 10 to 15 percent.
- Military Deployment Discount – Being deployed in the military may lower your prices slightly.
- College Student Discount – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
- Federal Employees – Employees or retirees of the government may qualify for a discount when you quote Madison auto insurance with some car insurance companies.
- Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts of up to 25% or more.
Please keep in mind that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce the premium cost.
Companies that may have these benefits include:
Check with each company or agent which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area. To view companies that offer the discounts shown above in Madison, click this link.
When to get advice from an agent
Many drivers just want to buy from a licensed agent and doing so can bring peace of mind Insurance agents are trained to spot inefficiencies and help you file claims. A good thing about comparing rate quotes online is that drivers can save money and get cheap insurance rates and still choose a local agent. Buying from and supporting local agencies is especially important in Madison.
To help locate an agent, after submitting this simple form, your coverage information is emailed to insurance agents in Madison who will gladly provide quotes for your insurance coverage. You don’t have to search for an agent because quoted prices will be sent straight to your inbox. If for some reason you want to get a comparison quote from a specific insurance company, you can always go to their quote page and fill out the quote form the provide.
Shown below are Madison insurance companies who can help you get price quotes for Chevy Captiva Sport insurance in Madison.
- GEICO Insurance Agent
2001 W Beltline Hwy Suite 100 – Madison, WI 53713 – (608) 242-9322 – View Map
- American Family Insurance – Leah Salter
5025 Old Middleton Rd – Madison, WI 53705 – (608) 273-8555 – View Map
- Stainbrook Agency
2810 Crossroads Dr #4000 – Madison, WI 53718 – (608) 535-9291 – View Map
- Allstate Insurance Agent: Susan Kempfer-Weeks
712 S Gammon Rd – Madison, WI 53719 – (608) 274-4147 – View Map
Deciding on a provider should depend on more than just a low price. Any agent in Madison should be willing to answer these questions.
- Who is covered by the car insurance policy?
- How much experience to they have in personal lines coverages?
- Did they already check your driving record and credit reports?
- Does the agency have a positive business rating?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they have designations such as AIC, CPCU, or CIC?
- Does the company use OEM repair parts?
- Does the agency support the community they serve?
After talking to the agent and getting good feedback to these questions as well as low cost Chevrolet Captiva Sport insurance quotes, you may have just found an provider that meets the requirements to insure your vehicles. But remember, consumers can cancel coverage when you choose so never feel that you are obligated to the insurance policy for the full policy term.
Specific coverage details
Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, nursing services and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Coverage for collisions
This covers damage to your Captiva Sport resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things like hitting a mailbox, crashing into a ditch, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible on your Captiva Sport to save money on collision insurance.
This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many Wisconsin drivers only carry the minimum required liability limits (25/50/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Comprehensive or Other Than Collision
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a deer, hail damage and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability car insurance
Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/10 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things such as medical services, emergency aid, structural damage, bail bonds and legal defense fees. How much coverage you buy is up to you, but consider buying higher limits if possible. Wisconsin state minimum liability requirements are 25/50/10 but you should think about purchasing better liability coverage.
The illustration below demonstrates why low liability limits may not be enough.
Quote. Compare. Save.
Drivers leave their current company for many reasons like policy cancellation, questionable increases in premium, delays in paying claims and an unsatisfactory settlement offer. Regardless of your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.
We just presented many tips how you can shop for Chevy Captiva Sport insurance online. The key thing to remember is the more companies you get prices for, the better chance you’ll have of finding inexpensive Madison auto insurance quotes. You may even find the biggest savings come from the least-expected company.
Some car insurance companies may not offer rates over the internet and most of the time these small insurance companies only sell through independent agents. Affordable Chevy Captiva Sport insurance in Madison can be bought on the web and also from your neighborhood Madison agents, and you need to price shop both in order to have the best price selection to choose from.
Much more information about car insurance in Wisconsin is available on the following sites:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- How Much is Auto Insurance for a Honda Civic in Madison? (FAQ)
- Who Has Cheap Auto Insurance for 16 Year Olds in Madison? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Fusion in Madison? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Car Insurance FAQ (Trusted Choice)