Compare Maplewood Car Insurance Cheaper With These Tricks

Nobody I know looks forward to buying car insurance, in particular when the price is too high. Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the definite lowest rate

It’s a great practice to compare prices occasionally due to the fact that insurance rates are variable and change quite frequently. Just because you had the lowest rates a year ago the chances are good that you can find a lower rate today. So forget all the misinformation about car insurance because you’re about to learn the tricks you need to know to save on car insurance.

If you have insurance now or are just looking to switch companies, you can learn to get lower rates while maintaining coverages. Finding the best rates in Maplewood is easy if you know what you’re doing. Minnesota drivers just need to learn how to shop online.

Informed Drivers can Cut Their Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating your car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Women pay lower rates – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women cause accidents at about the same rate, but the men cause more damage. Men also statistically get cited for more serious violations such as reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • An active claims history can cost you – If you are a frequent claim filer, you can expect either higher rates or even cancellation. Companies in Minnesota award cheaper rates to insureds who are claim-free. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Allowing your policy to lapse raises rates – Not having insurance is illegal and as a result your rates will increase for letting your insurance lapse. Not only will you pay more, failure to provide proof of insurance will get you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with the Minnesota motor vehicle department to get your license reinstated.
  • High deductibles save money – The deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, or theft. The more money the insured has to pay upfront, the lower your rates will be.

Discounts can save BIG

Car insurance companies don’t always list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving. If you’re not getting every credit available, you’re paying more than you need to.

  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Drive Less and Save – Low mileage vehicles can earn better rates on cars that stay parked.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • No Charge for an Accident – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up over the internet.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, you’re out of luck.<img class="alignright" style="padding-top:15px" src="" alt="Maplewood car insurance prices” />

For a list of companies with discount car insurance rates in Maplewood, click here to view.

Is there deception in advertising?

Consumers can’t ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. All the companies have a common claim that you’ll save big if you change to their company.

How can each company make the same claim?

All companies have a preferred profile for the type of driver they prefer to insure. An example of a preferred risk might be over the age of 40, insures multiple vehicles, and has great credit. Any driver who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don’t qualify for these standards will have to pay a higher premium which usually ends up with business going elsewhere. The ads state “customers who switch” not “everyone that quotes” save that much money. That is how insurance companies can state the savings. Because of the profiling, drivers should get as many quotes as possible. It’s not possible to predict which car insurance company will have the lowest rates.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining whether you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When should I not file a claim?
  • When should I drop full coverage on my vehicle?
  • What are Minnesota no-fault laws?
  • Who is covered when they drive my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when pulling a rental trailer?
  • Do I need roadside assistance coverage?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Maplewood MN insurance quotes

Even more information can be read at the Minnesota Department of Commerce website. Minnesota drivers can find a variety of consumer forms, read state legal mandates and laws, read industry bulletins, and report car insurance fraud.

Online plus local equals savings

You just learned many ways to shop for car insurance online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with an unexpected company. They may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

Budget-conscious car insurance is attainable from both online companies and with local Maplewood insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.