Apple Valley Auto Insurance For Less Than You're Paying Now

Finding lower premiums on Apple Valley auto insurance is hard for consumers not familiar with comparison shopping online. You have so many choices that it can easily become more work than you anticipated to locate the lowest price in Apple Valley.

It's important to get comparison quotes before your policy renews because prices are constantly changing. If you had the best rates a few years ago you can probably find a better price now. There is a lot of bad information regarding auto insurance online but I'm going to show you some great ways to quit paying high auto insurance rates.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.

The list below includes some of the items that factor into rates.

Drive less and save money - The more you drive every year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based on their usage. Vehicles left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance policy shows the correct driver usage.
Rates may be lower depending on your job - Jobs such as real estate brokers, architects and financial analysts are shown to have higher average rates in part from high stress and lengthy work days. Conversely, professions such as farmers, engineers and the unemployed pay the least.
Special features that cut premiums - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Your spouse saves you money - Getting married actually saves money when buying auto insurance. It usually means you are more mature it has been statistically shown that drivers who are married are more cautious.
Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage caused by hail, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the less your company will charge you for insurance.
Safer cars are cheaper to insure - Cars with high safety ratings are cheaper to insure. These vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
Cautious drivers pay less - Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Just one speeding ticket may increase your cost by twenty percent. Drivers who have severe citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
Sex matters - The statistics show that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Women and men tend to get into accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.

Take advantage of discounts

Companies offering auto insurance don't always advertise all their discounts very clearly, so the following is a list of both the well known and the harder-to-find auto insurance savings.

Save with a New Car - Insuring a new car can cost up to 25% less since new cars are generally safer.
No Claims - Claim-free drivers pay less as compared to accident-prone drivers.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Sign Online - Certain companies may give you up to $50 just for signing your application over the internet.
Homeowners Pay Less - Owning a house in Apple Valley may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.

Keep in mind that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, it just doesn't work that way.

To choose companies with the best auto insurance discounts in Minnesota, follow this link.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to say the same thing that you can save if you move your policy. How does each company claim to save you money? This is how they do it.

All companies can use profiling for the right customer that makes them money. A good example of a desirable insured might be a mature driver, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will get very good rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a higher premium which usually ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save that kind of money. That's why insurance companies can advertise the way they do. Because of the profiling, you should get a wide range of price quotes. It's impossible to know the company that will provide you with the cheapest rates.

Additional detailed information can be read at the Minnesota Department of Commerce website. Visitors are able to file complaints about an insurance agent or broker, read industry bulletins, and view a list of available companies.

Affordable insurance is out there

When shopping online for auto insurance, never buy poor coverage just to save money. In many instances, an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest price.

Consumers who switch companies do it for any number of reasons including delays in paying claims, high rates after DUI convictions, unfair underwriting practices or even an unsatisfactory settlement offer. No matter why you want to switch, switching auto insurance companies is easier than you think.

Affordable auto insurance is possible both online in addition to many Apple Valley insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.