Buy Apple Valley Car Insurance Like a Penny-pincher

If you’ve never shopped for car insurance online, you may be confused by the sheer number of companies offering insurance in Apple Valley.

You should make it a habit to take a look at other company’s rates once or twice a year since insurance rates are adjusted regularly by insurance companies. Just because you had the lowest price six months ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to find out one of the quickest ways to properly buy coverages while reducing your premium.

How to Lower Your Car Insurance Cost in Apple Valley, MN

There are several ways to get quotes and find the best price. The fastest way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

  • The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate quote forms to each individual car insurance company. One form gets you coverage quotes from several companies. This is by far the quickest method.
  • A different way to shop for car insurance online requires visiting each company website and request a quote. For examples sake, let’s assume you want to compare rates from Farmers, Liberty Mutual and Travelers. You would have to go to every website and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Apple Valley, click here.
  • The most time-consuming way to get comparison rates is to drive around to local Apple Valley insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the personal advice of a local Apple Valley agent. However, consumers can price shop online and still use a local agent and we’ll talk about that later.

Whichever way you use, be sure to compare identical deductibles and coverage limits for each price quote. If you are comparing different liability limits you will not be able to find the best deal in Apple Valley. Slightly different coverages can mean a large discrepancy in price. Keep in mind that comparing more company’s prices will increase your chances of finding the best offered rates.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Do I benefit by insuring my home with the same company?
  • Do I need PIP (personal injury protection) coverage in Minnesota?
  • Am I covered when using my vehicle for business?
  • How do I file an SR-22 for a DUI in Minnesota?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short insurance image

Online quotes with a local Apple Valley insurance agent

A small number of people would rather buy from a local agent and there is nothing wrong with that. One of the best bonuses of price shopping on the web is you may find the best rates but also keep your business local. Supporting local businesses is definitely important in Apple Valley.

To help locate an agent, after submitting this simple form, your information is emailed to local insurance agents in Apple Valley who will compete to get your business. There is no need to leave your computer because quoted prices will be sent to your email. How cool is that?! You can find the lowest rates and work with a local agent.

Multiple types of car insurance agents in Apple Valley

When searching for a local agent, you must know there are a couple types of agencies to choose from. Agencies in Apple Valley are classified as either independent or captive.

Independent Agencies or Brokers

Independent agents do not work for one specific company but instead can place your coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When comparison shopping, it’s a good idea to include price quotes from several independent insurance agents for the best price selection. They also have the ability to place coverage with different regional companies which may provide better rates.

Listed below is a list of independent agencies in Apple Valley that may be able to provide price quote information.

  • Ferry Insurance Network Inc – 7630 145th St W # 304 – Apple Valley, MN 55124 – (952) 431-6882
  • Commercial Insurance Underwrtr – 15594 Finch Ave – Apple Valley, MN 55124 – (952) 997-7008
  • Robert E Lee Agency Inc – 7300 147th St W # 102 – Apple Valley, MN 55124 – (952) 997-4333
  • Alan Lecher Agency Inc – 15010 Glazier Ave # 205 – Apple Valley, MN 55124 – (952) 431-4055
  • Walter Manning Agency – 7707 149th St W # 7 – Apple Valley, MN 55124 – (952) 891-4703
Agency Captives

These agents are contracted to one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a captive agent mainly due to high brand loyalty and the convenience of having all coverages with one company.

The following are captive insurance agencies in Apple Valley that can give you price quote information.

Car insurance in Apple Valley Minnesota

  • Farmers Insurance Group – 15026 Glazier Ave – Apple Valley, MN 55124 – (952) 432-1120
  • American Family Insurance – 15010 Glazier Ave # 103 – Apple Valley, MN 55124 – (952) 432-3700
  • State Farm Insurance – 203 County Road 42 – Apple Valley, MN 55124 – (952) 432-8654

For a complete listing of car insurance agents in Apple Valley, simply jump to this page.

Choosing an insurance agency shouldn’t rely on just a cheap price. Some important questions to ask are:

  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • If your car is totalled, how to they determine the replacement cost?
  • Does the agency have a good rating with the Better Business Bureau?
  • Did they already check your driving record and credit reports?

After receiving satisfactory answers to all your questions and a good coverage price, chances are good that you have found an insurance agency that is a good match to properly service your car insurance policy.

Much more information about car insurance in Minnesota is located on the Minnesota Department of Commerce website. Click here for link. Minnesota drivers can find out which companies have the most complaints, read state legal mandates and laws, file complaints about a company, and find out industry alerts.