New Strategies for Cutting Costs on on Minnetonka, MN Auto Insurance

I can’t think of anyone who cherishes buying auto insurance, especially knowing the cost is too high.

Big companies like Progressive, State Farm and GEICO persitently shower you with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding affordable coverage in Minnetonka is quite easy. But Minnesota vehicle owners must learn how insurance companies market on the web and apply this information to your search.

Low Cost Minnetonka Auto Insurance

There are several ways to compare auto insurance prices but one way is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with agents in Minnetonka, or you can stay home and use online quoting for quick rates.

Most major companies are enrolled in a marketplace where prospective buyers submit their information once, and every company can give them a price based on that information. This saves time by eliminating form submissions to each individual auto insurance company.

To get comparison pricing now click here (opens in new window).

The only downside to doing it this way is you are unable to specify which insurance companies to get pricing from. If you wish to select from a list of companies for rate comparison, we put together a list of low cost auto insurance companies in Minnesota. View list of Minnesota insurance companies.

It’s up to you which method you use, but compare the exact same coverage information for every quote you compare. If your comparisons have different limits and deductibles on each one then you won’t be able to determine the best price in Minnetonka. Just a small difference in coverage limits may cause a big price difference. And when comparing auto insurance rates, know that more quotes will enable you to find a lower rate.

Situations that might require an agent

When choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my insurance cover a custom paint job?
  • What happens if I owe more than my vehicle is worth?
  • Does my car insurance cover rental cars?
  • Is business equipment covered while in my vehicle?
  • What are the financial responsibility laws in Minnesota?
  • When should I remove comp and collision on my vehicle?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Additional resources for Minnesota consumers

Additional information can be read on the website for the Minnesota Department of Commerce. Click here for link. Minnesota drivers can get help finding coverage, read industry bulletins, and view agent and company licensing information.