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.
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 pricing.
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.
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.
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.
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.
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?
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.
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.