Appleton, WI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Appleton, WI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
How Can I Lower My Car Insurance in Appleton, WI?
The average cost of auto insurance in Appleton, WI, is $1,033. This is lower than in most neighboring places such as Vanderbroek, Grand Chute, Kimberly, Harrison, and Combined Locks. Residents of Appleton should compare multiple auto insurance quotes and reviews before deciding what best suits their needs. Here are some ways to increase savings in Appleton.
Anti-Theft Device:
Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. Providing your vehicle with a passive disabling device will fetch the most amount of savings.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.
Deductibles:
Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Appleton on a deductible of $500 is $1,093. It decreases to $923 when the deductible is higher ($1,000).
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
The cost of auto insurance in Appleton, WI, post-DUI, increases to $1,989. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Appleton. Other violations that can have a long-term impact on auto insurance in Appleton include driving with an expired license and running a red light.
Multi-Car Insurance:
Car owners in Appleton, WI, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Appleton, WI, is $1,777, while it would cost $3,849 for four vehicles. The savings on multi-car insurance in Appleton also depends on the make and model of the car.
Credit Score:
Having an “excellent” or “good” credit score will help car owners save on auto insurance in Appleton, WI. The cost of auto insurance can be low if the driver’s credit score is “exceptional”.
Factors that can influence the cost of car insurance in Appleton, WI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Appleton, WI Auto Insurance Rates
- Appleton, WI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Appleton, WI
- Multi Vehicle Insurance Savings in Appleton, WI
- How Credit Score Affects Car Insurance Rates in Appleton, WI
- How DUI Affects Auto Insurance Premiums in Appleton, WI
- Top Auto Insurance Agents Near Appleton, WI
- How Driving Violations Affect Auto Insurance Rates in Appleton, WI
- Appleton, WI Auto Insurance Discounts on Anti Theft Feature
- Appleton, WI Auto Insurance Company Reviews
Appleton, WI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Appleton, WI with that of other cities in and around Appleton.
| Appleton | Vandenbroek | Grand Chute | Kimberly | Harrison | Combined Locks | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,033 | $1,144 | $1,104 | $1,083 | $1,123 | $1,095 |
Appleton, WI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Appleton, WI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Appleton | $1,093 | $923 |
| Kimberly | $1,489 | $1,258 |
| Grand Chute | $1,525 | $1,288 |
| Little Chute | $2,841 | $2,399 |
| Combined Locks | $1,109 | $937 |
| Vandenbroek | $1,519 | $1,283 |
| Menasha | $934 | $789 |
| Harrison | $1,667 | $1,408 |
Appleton, WI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Appleton, WI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,352 |
| 20 Years | $1,327 |
| 30 Years | $1,022 |
| 40 Years | $984 |
| 50 Years | $911 |
| 60 Years | $924 |
| 70 Years | $1,075 |
Appleton, WI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Appleton, WI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,777 | $289 |
| 3 Vehicles | $2,665 | $434 |
| 4 Vehicles | $3,554 | $578 |
Savings on 2 Vehicles bundle:$289
Savings on 3 Vehicles bundle:$434
Savings on 4 Vehicles bundle:$578
Appleton, WI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Appleton, WI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Appleton | $1,033 | $1,989 |
| Kimberly | $1,083 | $2,085 |
| Grand Chute | $1,104 | $2,126 |
| Little Chute | $1,083 | $2,085 |
| Combined Locks | $1,095 | $2,108 |
| Vandenbroek | $1,144 | $2,203 |
| Menasha | $1,079 | $2,077 |
| Harrison | $1,123 | $2,162 |
Appleton, WI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $886 |
| Excellent (740-799) | $1,012 |
| Good (670-739) | $1,076 |
| Average (580-669) | $1,404 |
| Poor (300-579) | $1,685 |
Appleton, WI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Tara Schultz | Allstate | 700 Schelfhout Ln Ste E, Kimberly, 54136 | (920) 788-8856 |
| Amy Schreiner | Farmers | 180 Main St Ste 1, Menasha, 54952 | (920) 257-4943 |
| Karen Van Liere Matuszak | Farmers | 3215 W College Ave, Appleton, 54914 | (920) 380-0810 |
| Insurance Services By Karen Llc | Erie | 375 City Ctr Suite A, Oshkosh, 54901 | None |
| Harry Franklin Forbes | Allstate | 150 W Northland Ave, Appleton, 54911 | (920) 730-1100 |
| Ryan Renard | State Farm | 2405 S Oneida St, Appleton, 54915-1659 | 920-734-8331 |
| Cameron Nicewander | Liberty Mutual | 1737 N. Casaloma Drive, Appleton, 54913 | 1-920-749-9799 |
| Ansay And Associates Llc- Little Chute | None | 201 E Bell St Ste 103, Neenah, 54956 | None |
| Burkart Ins Agcy Inc | None | P O Box 197, Plymouth, 53073 | None |
| Maritime Insurance Group | Liberty Mutual Independent | W5071 Cty Road O Plymouth, Sheboygan, 53073 | None |
Appleton, WI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$45 | $1,078 |
| Driver's Failure In Showing Documents | +$100 | $1,133 |
| Driving With An Expired Registration | +$106 | $1,139 |
| Driving At A Considerably Slow Pace | +$224 | $1,257 |
| Using A Cellphone While Driving | +$237 | $1,270 |
| Running A Red Light | +$241 | $1,274 |
| Speeding | +$253 | $1,286 |
| Driving A Vehicle Without The Required Permission | +$321 | $1,354 |
| Driving With An Expired/Suspended License | +$696 | $1,729 |
Appleton, WI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $992 |
| Active Disabling Device | $992 |
| Tracking Device | $971 |
| Passive Disabling Device | $961 |
Latest Auto Insurance Reviews in Appleton, WI | Back to Top
State FarmI am new with using State Farm for my auto insurance. The reason why I chose to do auto was due to the agent. Besides talking about home insurance he knew i wanted to save money and drew me to bundle both.
AllstateMy experience with this company, in general lines could say that it has been quite good, they have an excellent customer service.
AllstateI would absolutely recommend Allstate. They have been great to me, I have only ever filed on claim after a storm did some damage to my car, and I was an easy and smooth process.
EsuranceAfter researching, I have found that the policies of my insurance company are similar to those offered by other companies.
AllstateMy company offers both basic and full coverage insurance at a great rate. You can get everything from what the state allows to full coverage with comprehensive and collusion.
The General Auto InsuranceMy insurance premium is better than other companies I could find offering similar coverage, and have no real issue so far. Maybe I'll find something else better in the future, but for right now it works for my current finances.
Farmer's InsuranceI think they're very comparable and fair compared to other companies.