Methods for Paying Less for Eden Prairie Auto Insurance Rates

Are you overwhelmed by the wide range of auto insurance options in Eden Prairie? You’re not alone. There are so many options available that it can quickly become more work than you anticipated to find the best price.

These discounts can lower your rates

Companies don’t list every discount in an easy-to-find place, so we took the time to find both the well known and the more hidden savings tricks you should be using.

  • Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less than less cautious drivers.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance.
  • Low Mileage – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break on your policy.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper compared to insuring an older model.

Consumers should know that most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

To choose providers with the best auto insurance discounts in Minnesota, click here.

You are unique and your auto insurance should be too

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can aid in determining if your situation may require specific advice.

  • Do I need motorclub coverage?
  • Should I have combined single limit or split liability limits?
  • Does medical payments coverage apply to all occupants?
  • Is my babysitter covered when using my vehicle?
  • Should I put collision coverage on all my vehicles?
  • Can I drive in Mexico and have coverage?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Aren’t my neighborhood agents an option?

Some people would rather visit with an insurance agent. The best thing about comparing rates online is the fact that you can find better rates and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, the coverage information is transmitted to local insurance agents in Eden Prairie who will compete for your business. You never need to leave your computer as quotes are delivered straight to your inbox. How’s that for easy! You can find the lowest rates AND an agent nearby.Eden Prairie insurance comparisons

Deciding on an provider needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:

  • Who are their largest clients?
  • What is the agency’s Better Business Bureau rating?
  • How are claims handled?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Is their price quote a firm figure or are their hidden costs?

Multiple types of insurance agencies in Eden Prairie

When researching a good insurance agency, you must know there are a couple different types of agents to choose from. Agencies in Eden Prairie are categorized either independent or captive.

Captive Insurance Agents

Captive agents work for only one company such as State Farm, AAA and Liberty Mutual. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents are very knowledgeable on their company’s products which can be an advantage. Consumers sometimes buy from captive agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.

Listed below is a short list of captive insurance agents in Eden Prairie that are able to give price quote information.

  • State Farm Insurance – 16315 Terry Pine Dr # 200 – Eden Prairie, MN 55344 – (952) 975-4900
  • Farm Bureau Insurance – 11800 Singletree Ln # 201 – Eden Prairie, MN 55344 – (952) 828-9790
  • Allstate Insurance – 7525 Mitchell Rd # 102 – Eden Prairie, MN 55344 – (952) 934-0041
  • Farmers Insurance Group – 566 Prairie Center Dr # 202 – Eden Prairie, MN 55344 – (952) 943-1600
  • American Family Insurance – 6131 Blue Circle Dr – Eden Prairie, MN 55343 – (952) 933-4446
Independent Agencies or Brokers

Independent agencies are not locked into one company but rather can write business with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies.

When searching for an agent, we recommend you get quotes from at a minimum one independent agency for the best price selection. Many write coverage with different regional companies which may provide better rates.

The following is a short list of independent insurance agents in Eden Prairie that can give you rate quotes.

  • Insurance Funding Alternatives – 12915 Pioneer Trl – Eden Prairie, MN 55347 – (952) 944-9860
  • Joe Sunder Agency – 7525 Mitchell Rd # 215 – Eden Prairie, MN 55344 – (952) 949-8717
  • Kehrwald Agency – 7525 Mitchell Rd # 215 – Eden Prairie, MN 55344 – (952) 949-3566
  • Horizon Agency Inc – 11000 W 78th St # 300 – Eden Prairie, MN 55344 – (952) 944-2929
  • National Insurance Svc – 14852 Scenic Heights Rd # 210 – Eden Prairie, MN 55344 – (952) 941-7372

For a complete listing of Eden Prairie insurance agents, visit this site.

After receiving positive feedback to all your questions and an acceptable price quote, it’s possible that you found an insurance agent that meets your needs to provide auto insurance coverage.

Eden Prairie insurance quotes

Additional Minnesota car insurance resources

Additional detailed information can be read at the Minnesota Department of Commerce website. Visitors are able to view a list of available companies, download brochures, read enforcement actions against agents and companies, and discover disciplinary actions.

Other useful links include these car insurance answers and this page of insurance agents in Eden Prairie.

Quote often and quote early

In this article, we covered many ideas to get a better price on auto insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the most savings is with a small mutual company.

Drivers change insurance companies for a number of reasons such as policy cancellation, lack of trust in their agent, not issuing a premium refund or delays in responding to claim requests. No matter why you want to switch, switching companies can be easy and end up saving you some money.

Low-cost auto insurance can be purchased both online and with local Eden Prairie insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.