The recommended way to find low-cost Kia Stinger insurance in Madison is to start comparing prices yearly from companies that sell auto insurance in Wisconsin.
First, take a few minutes and learn about how car insurance works and the measures you can take to keep rates in check. Many factors that are responsible for high rates like multiple speeding tickets and poor credit history can be eliminated by making small lifestyle or driving habit changes. This article gives additional tips to find cheap rates and earn larger discounts.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes from many different companies.
Third, compare the new rate quotes to your existing rates to see if a cheaper price is available. If you can save money, ensure coverage does not lapse between policies.
Fourth, provide notification to your current company of your decision to cancel your current car insurance policy and submit the completed application along with a down payment for the new coverage. Immediately upon receiving it, keep your new certificate verifying coverage along with the vehicle’s registration papers.
One bit of advice is to use similar limits and deductibles on every price quote and and to look at every company you can. Doing this guarantees a fair price comparison and the best price quote selection.
Unimaginable but true, most drivers in Wisconsin kept buying from the same company for well over three years, and virtually 40% of consumers have never compared rates with other companies. Many consumers in the United States could save roughly $850 each year by just shopping around, but most tend to underestimate the amount of money they would save if they bought a different policy.
Locating the best rates in Madison can be much easier if you know how to start. If you are already insured, you will most likely be able to cut your premiums using this information. Nevertheless, Wisconsin consumers do need to know how insurance companies price insurance differently because rates are impacted by many factors.
Best Kia Stinger insurance prices in Wisconsin
The car insurance companies shown below can provide price quotes in Madison, WI. In order to find the best car insurance in WI, we recommend you visit several of them to get the best price comparison.
Cheaper Madison auto insurance quotes with discounts
The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be requested specifically before being credited.
- ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents so companies give up to a 10% discount.
- Auto/Life Discount – Some insurance carriers give a small discount if you purchase a life policy as well.
- Theft Deterrent System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- Multi-car Discount – Purchasing coverage when you have multiple cars or trucks with the same auto insurance company can get a discount on all vehicles.
- Safety Restraint Discount – Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Madison Homeowners Discount – Just owning your own home may earn you a small savings because it demonstrates responsibility.
- Good Grades Discount – Performing well in school may save as much as 25% on a Madison car insurance quote. Earning this discount can benefit you well after school through age 25.
It’s important to understand that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.
A few of the larger companies and some of the premium reductions they offer can be found below.
- American Family may include discounts for mySafetyValet, TimeAway discount, good driver, air bags, good student, and multi-vehicle.
- Nationwide discounts include Farm Bureau membership, multi-policy, accident-free, easy pay, anti-theft, defensive driving, and family plan.
- MetLife may offer discounts for good student, multi-policy, defensive driver, claim-free, and accident-free.
- 21st Century has discounts for driver training, automatic seat belts, good student, teen driver, and air bags.
- Farmers Insurance offers discounts including mature driver, business and professional, youthful driver, pay in full, and bundle discounts.
- Allstate may have discounts that include multi-policy, teenSMART discount, anti-theft, premier discount, FullPay discount, premier plus, and early signing.
It’s a good idea to ask each company how you can save money. Some of the discounts discussed earlier may not apply to policyholders in your area.
Why Your Insurance Premiums might be higher
Lots of factors are used when you quote your car insurance policy. Some are obvious like an MVR report, but other factors are less obvious such as your credit history or your financial responsibility.
The list below includes a partial list of the pieces used by your company to calculate premiums.
- Male costs may be higher – Over time, data shows females are less aggressive when driving. This data doesn’t prove that females are better at driving than males. They both have auto accidents in similar numbers, but guys tend to have more serious accidents. Men also statistically get higher numbers of serious violations such as reckless driving. Males from age 16 to 21 cause the most accidents and therefore have the most expensive insurance rates.
- Always have insurance – Not having insurance can get you a ticket and insurance companies will penalize you for letting your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance could result in a revoked license or a big fine.
- Raise your comp and collision deductibles for better premiums – Physical damage deductibles define how much you are willing to pay if a claim is determined to be covered. Protection for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are colliding with a stationary object, fire damage, and having a roll-over accident. The higher the amount you pay before a claim is paid (deductible), the less your insurance will be.
- Driving citations inflate rates – Being a careful driver impacts premiums far more than you think. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Even one speeding ticket can increase the cost of insurance twenty percent or more. Drivers with license-revoking tickets like DUI, reckless driving or excessive speeding may find they need to prove financial responsibility with their state’s department of motor vehicles in order to keep their license.
- Too many insurance claims will drive premiums up – If you file claims often, don’t be surprised to see higher rates. Companies in Wisconsin generally give better rates to insureds who do not file claims often. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
- Know your credit rating – Credit score can be a huge factor in calculating your premium rate. So if your credit history is not that good, you may save money insuring your Kia Stinger by taking the time to improve your credit score. Drivers who have high credit scores tend to be more responsible and file fewer claims than drivers who have lower credit ratings.
- Your car’s features help determine premiums – Driving a car with a theft deterrent system can help bring down rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.
- If you don’t need it don’t buy it – Insurance policies have a lot of extra coverages that you can get tricked into buying if you aren’t careful. Add-on coverages like replacement cost coverage, accidental death, and Farm Bureau memberships are examples of these. These coverages may sound good initially, but if you have no use for them eliminate the coverages to reduce your premium.
Your insurance coverage should be tailored to you
When it comes to choosing coverage online or from an agent, there isn’t really a one-size-fits-all type of policy. Everyone’s needs are different.
For instance, these questions may help you determine whether or not you will benefit from professional help.
- Do I have any recourse if my insurance company denies a claim?
- What are the liability requirements in my state?
- Will filing a claim cost me more?
- What companies insure drivers after a DUI or DWI?
- What is motorclub and do I need it?
- What is an umbrella policy?
- What is PIP insurance?
- Can I drive in Mexico and have coverage?
- What vehicles should carry emergency assistance coverage?
- What is covered by UM/UIM coverage?
If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.
Buying from insurance agencies
Many drivers would prefer to go talk to an agent and that is a smart decision One of the best bonuses of getting online price quotes is that you can find cheaper prices but also keep your business local.
After filling out this simple form, your coverage information is emailed to participating agents in Madison who will give you quotes to get your business. There is no reason to do any legwork since rate quotes are delivered directly to you. You can find better rates and work with a local agent. If you want to quote rates for a specific company, you would need to search and find their rate quote page and fill out their quote form.
Choosing the best insurer should depend on more than just a low price. The following questions are important to ask.
- How are they compensated?
- Is the agent properly licensed in Wisconsin?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they specialize in personal lines auto insurance in Madison?
- Is their price quote a firm figure or are their hidden costs?
Is an exclusive or independent auto insurance agent right for you?
When researching a local Madison insurance agency, you need to know there are two types of insurance agents and how they differ in how they can insure your vehicles. Auto insurance agents in Madison may be either independent agents or exclusive agents depending on their employer.
Exclusive Auto Insurance Agents
Agents in the exclusive channel have only one company to place business with such as Allstate and State Farm. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. Exclusive agents are usually quite knowledgeable in insurance sales which helps offset the inability to provide other markets.
Listed below is a short list of exclusive agencies in Madison willing to provide comparison quotes.
American Family Insurance – Vicki Wagener Agency LLC
1633 Thierer Rd – Madison, WI 53704 – (608) 249-2184 – View Map
Agents that choose to be independent do not work for one specific company and that is an advantage because they can write policies amongst many companies and find the cheapest rate. If you want to switch companies, your policy is moved internally which requires no work on your part. If you need lower rates, it’s recommended you get some free quotes from at least one independent agent to get the best comparison.
Below is a list of independent insurance agencies in Madison that are able to give comparison quotes.
After receiving good answers for all questions you ask in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that can be relied on to properly insure your vehicles.
Ratings for Madison car insurance companies
Selecting a good quality car insurance provider is difficult considering how many companies there are to choose from in Wisconsin. The rank data displayed below could help you decide which auto insurance companies to look at when shopping around.
Top 10 Madison Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Madison Car Insurance Companies Ranked by Value
- AAA Insurance
- Erie Insurance
- Liberty Mutual
- State Farm
- Safeco Insurance
- 21st Century
Quote more to save more
People leave their current company for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, denial of a claim and policy non-renewal. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.
You just learned a lot of ways to get a better price on Kia Stinger insurance in Madison. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may even discover the best price on auto insurance is with a lesser-known regional company.
More affordable auto insurance in Madison is definitely available on the web in addition to many Madison insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies may not offer rates over the internet and these smaller companies sell through independent insurance agents.
More learning opportunities
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Who Has Cheap Madison Auto Insurance Rates for a 20 Year Old Female? (FAQ)
- How Much are Auto Insurance Quotes for a 20 Year Old Male in Madison? (FAQ)
- How Much are Auto Insurance Rates for Retired Military in Madison? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Toyota Tacoma in Madison? (FAQ)
- Who Has Affordable Madison Auto Insurance for a Toyota RAV4? (FAQ)
- Teen Driving Statistics (iihs.org)
- Tread Depth and Tire Safety (State Farm)