9 Money Saving Ideas Guaranteed to Lower Car Insurance Costs in Aurora, MN

Have you had enough of scraping the payment together each month for car insurance? You're in the same situation as many other Minnesota drivers. With consumers having so many companies to choose from, it's nearly impossible to pick the lowest cost insurance company.

Fast and Easy Aurora Car Insurance Quotes

Cutting your Aurora car insurance rates isn't really that difficult. Just take time comparing rate quotes online with multiple companies. This can be accomplished using a couple different methods.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form eliminates the need for separate quotation requests for each company. Taking the time to complete one form gets you coverage quotes from car insurance companies with the best prices.
  • A different way to compare rate quotes consists of going to each individual company website to complete their respective quote request forms. For instance, let's say you want rates from , and . You would have to go to every website to enter your coverage information, which is why most consumers use the first method. To view a list of companies in Aurora, click here.

It's up to you how you get prices quotes, just double check that you are using apples-to-apples coverages on every quote you get. If your comparisons have different limits and deductibles on each one it will be impossible to determine which rate is truly the best in Aurora.

Take advantage of discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be asked for prior to getting the savings. If you don't get every credit available, you're paying more than you need to.

  • Memberships - Belonging to a professional or civic organization could trigger savings when buying car insurance.
  • Driver's Ed - Have your child enroll in driver's education in high school.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • More Vehicles More Savings - Insuring multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • 55 and Retired - Mature drivers can possibly qualify for a small decrease in premiums.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance from them.

As a disclaimer on discounts, most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

To see a list of insurers with the best car insurance discounts in Minnesota, click this link.

Additional information can be read on the website for the Minnesota Department of Commerce through this link. Consumers can find out which companies have the most complaints, download brochures, find out industry alerts, and report car insurance fraud.

Additional helpful sites include this link for Minnesota car insurance quotes and this link which helps you find a Aurora agent.