Feel like you’re a prisoner to overpriced car insurance? Trust us, you are not the only one feeling buyer’s remorse. Drivers have multiple car insurance companies to pick from, and although it’s a good thing to have a choice, having more insurance companies makes it harder to locate the cheapest rates.
Buying the best protection in Bloomington is not that difficult. If you have a current car insurance policy or need a new policy, you will benefit by learning to find better prices and possibly find even better coverage. Minnesota drivers just need to understand the most effective way to compare prices online.
Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with big savings.
Reducing your insurance rates can be relatively painless. Just take a few minutes to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.
It’s up to you which method you use, but double check that you are using apples-to-apples coverage limits and deductibles with each company. If each company quotes mixed coverages it will be next to impossible to truly determine the lowest rate in Bloomington.
Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. A few discounts will automatically apply when you get a quote, but a few must be asked about before you get the savings. If you’re not getting every credit available, you are paying more than you should be.
Drivers should understand that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will cut the cost of coverage.
To choose insurance companies who offer car insurance discounts in Bloomington, click here to view.
A small number of people would rather sit down with an agent and there is nothing wrong with that. Insurance agents can answer important questions and help you file claims. The biggest benefit of comparing rates online is that you can obtain the best rates but still work with a licensed agent. And providing support for local businesses is important particularly in Bloomington.
To help locate an agent, after submitting this simple form, the quote information is transmitted to companies in Bloomington who will return price quotes for your business. You won’t need to leave your computer due to the fact that quote results will go to the email address you provide. How cool is that?!
When looking for a reliable agent, there are a couple of different agency structures to choose from. Bloomington agents are categorized either independent or captive. Both types can write coverage properly, but it’s good to learn how they are different since it can impact the type of agent you choose
Independent insurance agents do not work for one specific company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies. When comparing rates, it’s a good idea to get quotes from at least one independent agent for maximum quote selection.
Below are independent agencies in Bloomington that can give you price quotes.
Sentry Insurance Co – 4533 Heritage Hills Cir – Bloomington, MN 55437 – (952) 806-9975
Emerald Insurance – 8933 Lyndale Ave S # 201 – Bloomington, MN 55420 – (952) 884-1241
Ronald Cherry Agency – 8400 Lyndale Ave S – Bloomington, MN 55420 – (952) 835-1188
Gillette Agency Inc – 8900 Penn Ave S # 306 – Bloomington, MN 55431 – (952) 884-6772
Advance Agency – 5241 Viking Dr – Bloomington, MN 55435 – (952) 842-1156
These agents can only write with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.
Below are Bloomington captive agencies that can give you price quote information.
Farmers Insurance Group – 3500 W 80th St # 33 – Bloomington, MN 55431 – (952) 896-3808
American Family Insurance – 9927 Lyndale Ave S – Bloomington, MN 55420 – (952) 888-1445
State Farm Insurance – 1020 W 80th St – Bloomington, MN 55420 – (612) 869-0400
Allstate Insurance – 2626 E 82nd St – Bloomington, MN 55425 – (952) 854-3509
For a complete listing of car insurance agents in Bloomington, please view this page.
Selecting an insurance agency requires more thought than just the bottom line cost. These are valid questions to ask:
After receiving positive responses to your questions and an acceptable price quote, chances are good that you have found an auto insurance agent that will service your policy.
When choosing adequate coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help you determine whether you might need an agent’s assistance.
If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Much more information about car insurance in Minnesota can be read on the website for the Minnesota Department of Commerce. Click here for link. Minnesota consumers can read enforcement actions against agents and companies, find disaster information, and find out industry alerts.
Affordable car insurance is definitely available on the web and also from your neighborhood Bloomington agents, so you should be comparing quotes from both to have the best selection. A few companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There are too many instances where someone dropped full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.