Things You Must Know Before Shopping for Brooklyn Park Auto Insurance Online

Are you sick and tired of paying out the nose each month for car insurance? You are no different than many other drivers in Minnesota.

Numerous car insurance companies battle for your business, and because of this it can be hard to compare car insurance companies to discover the definitive best price available.

How to Get Auto Insurance in Brooklyn Park, Minnesota

There are several ways to shop for auto insurance, but one way is more efficient than others. You could spend the better part of a day talking about coverages with insurance companies in Brooklyn Park, or you can utilize online quoting for quick rates.

Many companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company returns a competitive quote determined by their information. This prevents consumers from doing quote requests to each individual auto insurance company. To compare pricing click to open in new window.

The only downside to pricing coverage this way is that you can’t choose the insurers you want to price. So if you prefer to pick specific providers to request quotes from, we have a listing of companies who write auto insurance in Minnesota. Click here for list of insurance companies in Minnesota.

Whichever method you choose, double check that you are using apples-to-apples coverages for every company. If you are comparing differing limits you will not be able to make a fair comparison in Brooklyn Park. Just a small difference in insurance coverages can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies gives you a better chance of getting lower pricing.

These discounts can lower your rates

Car insurance companies don’t list all available discounts in an easy-to-find place, so we break down some of the best known and also the lesser-known auto insurance savings.

  • Auto/Life Discount – Larger companies have better rates if you take out life insurance from them.
  • Safety Course Discount – Taking a driver safety course can save you 5% or more depending on where you live.
  • E-sign – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Organization Discounts – Being a member of certain professional organizations could qualify you for a break when shopping for auto insurance.
  • Senior Discount – Older drivers may receive a discount up to 10%.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.Brooklyn Park car insurance quote

To see a list of insurance companies who offer auto insurance discounts in Brooklyn Park, click here.

Different people need different coverages

When buying adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • How do I file an SR-22 for a DUI in Minnesota?
  • When should my teen driver be added to my policy?
  • What are the financial responsibility laws in Minnesota?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need roadside assistance coverage?
  • How much liability do I need to cover my assets?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

How insurance companies determine rates

Consumers need to have an understanding of some of the elements that play a part in calculating your auto insurance rates. Having a good understanding of what determines base rates enables informed choices that can help you get better auto insurance rates.

Shown below are a few of the “ingredients” auto insurance companies consider when setting your rates.

  • Protect yourself with liability coverage – Liability insurance will protect you if a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Credit scores impact auto insurance rates – Having a bad credit score is a large factor in calculating your auto insurance rates. So if your credit score is lower than you’d like, you could potentially save money when insuring your by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with poor credit.
  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men have accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • Save money with special equipment – Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • An active claims history can cost you – If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance companies in Minnesota generally give lower rates to drivers who do not file claims often. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • No coverage gaps is important – Allowing your coverage to lapse is a quick way to bump up your auto insurance costs. Not only will you pay more, failure to provide proof of insurance can result in a revoked license or a big fine.
  • Safer cars are cheaper to insure – Safer cars are cheaper to insure. Safe vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.
  • Older drivers save more – Older drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.

Can you really save that much by switching?

Auto insurance companies such as Allstate and Progressive regularly use ads in print and on television. They all seem to have a common claim that you can save if you move to their company. How can each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. A good example of a profitable customer could possibly be a mature driver, has no tickets, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

insurance quote Brooklyn Park

Potential customers who don’t meet the requirements will be charged a higher premium which usually ends up with business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that much. This is how insurance companies can confidently claim big savings. That is why it’s extremely important to get a wide range of price quotes. It’s impossible to know which insurance companies will provide you with the cheapest rates.

A little work can save a LOT of money

The cheapest auto insurance is attainable online and with local Brooklyn Park insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

You just learned some good ideas how you can reduce auto insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the best prices are with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

Even more information can be found at the Minnesota Department of Commerce website. Minnesota consumers can learn about specific coverages, file complaints about a company, and find out industry alerts.