8 Ways to Pay Lower Car Insurance Prices in Maple Grove, MN

Cutting costs on Maple Grove car insurance is always hard for beginners to shopping for insurance online. People have so many options available that it can turn into a challenge to find lower rates in Maple Grove.

Finding affordable coverage in Maple Grove is easy if you know what you’re doing. Essentially every vehicle owner who has to buy car insurance will most likely be able to save money. But Minnesota car owners need to have an understanding of the methods companies use to compete online.

How much can you save with discounts?

Companies that sell car insurance do not advertise every discount very well, so we break down both the well known and the more hidden ways to save on car insurance.

  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Paperless Signup – A few companies will give a small break just for signing your application digitally online.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Distant Student – Children who are attending college and don’t have a car may be able to be covered for less.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Which Car Insurance is Cheapest in Maple Grove?

Comparing car insurance rates can be a daunting task if you don’t utilize the most efficient way. You can spend your afternoon talking to local insurance agents in Maple Grove, or you could use the web for quick rates.

Many popular insurance companies participate in a marketplace where prospective buyers complete one form, and at least one company returns a rated price determined by their information. This prevents consumers from doing quote forms for each company you want a rate for.

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The one disadvantage to comparing rates this way is that consumers can’t choose the providers you want to price. So if you want to choose from a list of companies to request quotes from, we have a page of car insurance companies in Minnesota. Click to view list.

It doesn’t matter which method you choose, just be sure to compare identical quote information for each price quote. If you enter different liability limits it’s impossible to determine the best price in Maple Grove. Slightly different coverages could mean much higher rates. And when quoting car insurance, remember that comparing more company’s prices helps you find the best rates.

Rate influencing factors

An important part of buying insurance is that you know the factors that help determine the price you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

  • Tickets mean higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Just one speeding ticket can bump up the cost by twenty percent. Drivers with dangerous tickets such as DUI or reckless driving are required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Bump up deductibles to save – Your deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The higher the amount you have to pay, the bigger discount you will receive.
  • Men fork out a little more – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Men and women have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like reckless driving and DUI.
  • Do you qualify for a multi-policy discount? – The majority of car insurance companies will award you with lower prices to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.

How much car insurance do I need?

When it comes to choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique.

For example, these questions can help discover if your situation would benefit from professional advice.

  • How can I get high-risk coverage after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I have combined single limit or split liability limits?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy only the required Minnesota minimum liability coverage?
  • Does my personal policy cover me when driving my company car?
  • Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Quote more, save more

Low-cost car insurance is available on the web and with local Maple Grove insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

Minnesota car insurance

Throughout this article, we presented many tips how you can save on car insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Insureds switch companies for a number of reasons such as questionable increases in premium, not issuing a premium refund, denial of a claim or even policy non-renewal. Whatever your reason, finding a great new company is not as hard as you think.

Additional Minnesota consumer information

Even more information is located at the Minnesota Department of Commerce website. Visitors are able to report car insurance fraud, find a variety of consumer forms, and get help finding coverage.