Save Money on Blaine, MN Auto Insurance Rates in Five Minutes

Have you had enough of being strong-armed to buy car insurance? Your situation is no different than many other drivers in Minnesota.

Insurance companies such as Progressive, GEICO and Farmers Insurance all promote huge savings with fancy advertisements and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

If you currently have car insurance, you should be able to cut costs considerably using this information. Finding affordable coverage in Blaine is not that difficult. But Minnesota consumers can benefit by having an understanding of the way insurance companies price online insurance and take advantage of how the system works.

How to Lower Your Auto Insurance Cost in Blaine, Minnesota

There are a variety of methods to shop for auto insurance, but some are less time-consuming than others. You could waste a few hours talking about coverages with insurance agencies in Blaine, or you could use the internet to get pricing more quickly.

The majority of car insurance companies belong to an insurance system that allows shoppers to submit one quote, and every company provides a quote based on the submitted data. This prevents consumers from doing quote requests to each individual auto insurance company.

To enter your information into the quoting system, click to open in new window.

The only drawback to pricing coverage this way is that consumers can’t choose the insurers you want pricing from. If you wish to select individual companies for rate comparison, we put together a list of companies who write auto insurance in Minnesota. Click here for list of insurance companies in Minnesota.

Whichever way you use, ensure you’re using apples-to-apples deductibles and coverage limits for each comparison quote. If the quotes have different liability limits it will be very difficult to make an equal comparison in Blaine. Having just a slight variation in coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps you find lower quote Blaine

Don’t miss these discounts

Companies offering auto insurance don’t always advertise all their discounts very well, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Accident Waiver – A handful of insurance companies permit an accident without raising rates so long as you haven’t had any claims for a set time period.
  • Clubs and Organizations – Being a member of a professional or civic organization may earn a discount when shopping for auto insurance.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get reduced rates.
  • Homeowners Savings – Owning a house in Blaine may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.

Consumers should know that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

To choose companies with discount auto insurance rates in Minnesota, follow this link.

Get Cheaper Rates by Understanding Pricing

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into premiums.

  • What are your deductibles? – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and windstorm damage. The more money the insured has to pay upfront, the bigger discount you will receive.
  • Where you live can impact rates – Residing in a rural area can save you money when buying auto insurance. Drivers who live in large cities have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident.
  • Poor credit can mean higher rates – A driver’s credit score is a big factor in calculating your auto insurance rates. If your credit score is lower than you’d like, you could pay less to insure your by repairing your credit. People with good credit tend to be more responsible than drivers who have poor credit.
  • Multiple policies with one company can save – The majority of auto insurance companies provide better rates to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to comparison shop to ensure the best deal.
  • Frequent auto insurance claims increase rates – Companies in Minnesota provide discounts to policyholders who do not file claims often. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Extra add-on coverages are wasting money – There are quite a few add-on coverages that you can buy when buying auto insurance. Coverages for personal injury protection, towing coverage and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • Don’t sacrifice liability coverage – Liability coverage is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. Liability provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Men and women are in accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also receive more costly citations like DUI and reckless driving.

More detailed Minnesota auto insurance information can be found at the Minnesota Department of Commerce website. Minnesota consumers can file complaints about an insurance agent or broker, discover disciplinary actions, and download brochures.

Additional helpful sites include this online resource for free quotes in Minnesota and this link where you can get more info about Blaine coverage.

Can switching companies really save?

Auto insurance companies such as 21st Century, Allstate and State Farm continually stream ads on television and other media. They all seem to have a common claim of big savings after switching to them. How can each company say the same thing?

insurance quote Blaine

Different companies have a preferred profile for the type of driver that makes them money. For instance, a desirable insured could be over the age of 50, has no driving citations, and drives newer vehicles. A customer getting a price quote who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Consumers who don’t qualify for this ideal profile must pay higher rates which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do. This illustrates why drivers must compare many company’s rates. It’s just too difficult to predict the company that will give you the biggest savings.

Smart consumers save more

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced physical damage coverage and learned later that it was a big mistake. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Affordable auto insurance can be sourced on the web and with local Blaine insurance agents, and you need to price shop both to have the best selection. A few companies do not offer online price quotes and these small insurance companies work with independent agents.