Consumer Tested Strategies to Save on Arden Hills Car Insurance

I can't think of a single person who likes having to buy car insurance, particularly when they are paying too much.

There are many to pick from, and although it's a good thing to have a choice, it makes it harder to compare rates.

car insurance in Arden Hills

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there are discounts available that many people don't even know exist. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount.

  • Defensive Driver - Completing a defensive driving course can save you 5% or more depending on where you live.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Air Bag Discount - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Payment Discounts - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Accident Forgiveness - Certain companies permit an accident without raising rates so long as you haven't had any claims prior to the accident.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of insurers offering car insurance discounts in Minnesota, click this link.

Arden Hills Car Insurance Quote Comparison

Comparing car insurance rates can take time and effort if you don't know the most efficient way. You can waste hours talking about coverages with local insurance agents in Arden Hills, or you can utilize the internet to get prices fast.

Most car insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and every company provides a quote based on that data. This system prevents you from having to do quote requests to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is that consumers can't choose the companies to get pricing from. If you would rather choose specific providers to request quotes from, we put together a list of low cost car insurance companies in Minnesota. Click here for list of insurance companies in Minnesota.

It's up to you how you get prices quotes, just make absolute certain that you use identical coverage limits and deductibles with each company. If you have different liability limits it will be next to impossible to make an equal comparison in Arden Hills. Having just a slight variation in coverages can make a big difference in price. And when quoting car insurance, remember that quoting more helps you find the best rates.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there isn't really a perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions might point out whether or not you might need professional guidance.

  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • What can I do if my company won't pay a claim?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Affordable insurance is out there

Cheaper car insurance can be found both online and with local Arden Hills insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

While you're price shopping online, make sure you don't sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

We just presented some good ideas how to get a better price on car insurance. The key thing to remember is the more companies you get rates for, the better chance you'll have of finding lower rates. Drivers may discover the best prices are with a company that doesn't do a lot of advertising. These companies may cover specific market segments cheaper compared to the large companies like .